Civic Intelligence

Members Heritage Credit Union Inc

EIN 61-0575996 • 501(c)14 • Lexington, KY

View Organization Page

Profile

The purpose of this credit union shall be to promote thrift and to provide credit for its members.

440 Park PlaceLexington, KY 40511

www.membersheritage.org

Siviq Scores

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

Liabilities / Assets

24th percentile

0.88x

Higher debt load relative to assets than 24% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

49th percentile

14.97x

Higher debt load relative to revenue than 49% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

75th percentile

15%

Higher net margin than 75% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

24th percentile

$339,468

Higher top officer pay than 24% of similar nonprofits.

Top officer pay equals 1.1% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

48th percentile

2.6%

Faster asset growth than 48% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

50th percentile

13%

Faster revenue growth than 50% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets24th percentile

Assets

Up

$535,937,395

Up $13,638,678 (+2.6%) from 2023

Liabilities

Up

$469,599,157

Up $7,789,306 (+1.7%) from 2023

Net Assets

Up

$66,338,238

Up $5,849,372 (+9.7%) from 2023

Operations
Liabilities / Revenue49th percentileNet Margin75th percentile

Revenue

Up

$31,376,384

Up $3,590,859 (+13%) from 2023

Expenses

Up

$26,651,585

Up $3,602,943 (+16%) from 2023

Net Income

Down

$4,724,799

Down $12,084 (-0.3%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth48th percentile

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

$600M$400M$200M$0Assets 2016: $369,564,047Liabilities 2016: $331,022,008Net Assets 2016: $38,542,0392016Assets 2017: $363,594,222Liabilities 2017: $322,300,862Net Assets 2017: $41,293,3602017Assets 2018: $366,007,874Liabilities 2018: $322,001,926Net Assets 2018: $44,005,9482018Assets 2019: $387,096,648Liabilities 2019: $340,231,449Net Assets 2019: $46,865,1992019Assets 2020: $458,955,325Liabilities 2020: $411,688,848Net Assets 2020: $47,266,4772020Assets 2021: $501,923,222Liabilities 2021: $451,109,821Net Assets 2021: $50,813,4012021Assets 2022: $509,009,482Liabilities 2022: $454,336,860Net Assets 2022: $54,672,6222022Assets 2023: $522,298,717Liabilities 2023: $461,809,851Net Assets 2023: $60,488,8662023Assets 2024: $535,937,395Liabilities 2024: $469,599,157Net Assets 2024: $66,338,2382024

Highlighted filing

2024

Assets$535,937,395
Liabilities$469,599,157
Net Assets$66,338,238
Open 2024 Filing

Operations Trend

Revenue Growth50th percentile

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

$40M$30M$20M$10M$0Revenue 2016: $15,635,950Expenses 2016: $14,215,194Net Income 2016: $1,420,7562016Revenue 2017: $16,297,458Expenses 2017: $15,032,473Net Income 2017: $1,264,9852017Revenue 2018: $17,715,112Expenses 2018: $14,846,820Net Income 2018: $2,868,2922018Revenue 2019: $19,389,734Expenses 2019: $16,432,226Net Income 2019: $2,957,5082019Revenue 2020: $19,831,586Expenses 2020: $17,693,867Net Income 2020: $2,137,7192020Revenue 2021: $17,553,879Expenses 2021: $16,041,612Net Income 2021: $1,512,2672021Revenue 2022: $20,270,190Expenses 2022: $16,791,687Net Income 2022: $3,478,5032022Revenue 2023: $27,785,525Expenses 2023: $23,048,642Net Income 2023: $4,736,8832023Revenue 2024: $31,376,384Expenses 2024: $26,651,585Net Income 2024: $4,724,7992024

Highlighted filing

2024

Revenue$31,376,384
Expenses$26,651,585
Net Income$4,724,799
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$535,937,395
Liabilities
$469,599,157
Net assets
$66,338,238
Revenue
$31,376,384
Expenses
$26,651,585
Net income
$4,724,799
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$536$470$66.3$31.4$26.7$4.72
2023Detailed filing. Detailed filing data is available for this year.$522$462$60.5$27.8$23.0$4.74
2022Detailed filing. Detailed filing data is available for this year.$509$454$54.7$20.3$16.8$3.48
2021Detailed filing. Detailed filing data is available for this year.$502$451$50.8$17.6$16.0$1.51
2020Detailed filing. Detailed filing data is available for this year.$459$412$47.3$19.8$17.7$2.14
2019Detailed filing. Detailed filing data is available for this year.$387$340$46.9$19.4$16.4$2.96
2018Detailed filing. Detailed filing data is available for this year.$366$322$44.0$17.7$14.8$2.87
2017Detailed filing. Detailed filing data is available for this year.$364$322$41.3$16.3$15.0$1.26
2016Detailed filing. Detailed filing data is available for this year.$370$331$38.5$15.6$14.2$1.42
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 29, 2025
Return Version
2024v5.2
Gross Receipts
$31,376,384
Mission and Program Overview

Mission

The purpose of this credit union shall be to promote thrift and to provide credit for its members.

The purpose of this credit union shall be to promote thrift and to provide credit to its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$360,540,908$362,830,629▲ $2,289,721
Cash and Non-Interest-Bearing Accounts$81,359,011$106,048,928▲ $24,689,917
Rtn Earn Endowment Incm Other Fnds$60,488,866$66,338,238▲ $5,849,372
Investments Other Securities$64,392,420$51,212,955▼ $13,179,465
Land, Buildings, and Equipment, Net$6,066,704$5,722,161▼ $344,543
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$522,298,717$535,937,395▲ $13,638,678
Other Assets Total$9,939,674$10,122,722▲ $183,048
Liabilities
Other Liabilities$458,934,758$467,735,024▲ $8,800,266
Accounts Payable and Accrued Expenses$2,875,093$1,864,133▼ $1,010,960
Total Liabilities$461,809,851$469,599,157▲ $7,789,306
Net Assets / Fund Balance
Total Net Assets Fund Balance$60,488,866$66,338,238▲ $5,849,372
Total Liabilities and Net Assets / Fund Balance$522,298,717$535,937,395▲ $13,638,678

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,084,763$3,630,124$5,714,887
Equipment$2,460,324$2,586,755$5,047,079
Land$1,151,209-$1,151,209
Other Land Buildings$25,865$167,586$193,451
Other Securities$4,505,802--
Compensation and Service Providers
Top Officer Pay24th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Patrick H FerryPresidentFT$331,424$8,044$339,468
Sherri BlakemanExecutive VPFT$187,676$8,157$195,833
Jeffrey MarshallControllerFT$178,114$4,978$183,092
Dennis WeiskircherIs ManagerFT$137,400$2,743$140,143
Janice PhillipsVP of LendingFT$134,868$2,695$137,563
Kristie FarmerVP of ServieFT$116,650$2,330$118,980

Board Members and Trustees

NameTitle
Mike ProctorChairman
Mark MeffordBoard Member
Rick GarnerBoard Member
Nathan McconathySecretary
Mike HardingTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Access Softek INCSoftware And Tech Services727 ALSTON WAY, Berkeley, CA 94710$312,521
Stoll Keenon & OgdenLegal ExpensesPO BOX 11969, Lexington, KY 40579$254,946
Cdw LLCSoftware And Tech ServicesPO BOX 75723, Chicago, IL 60675$233,528
Allied Solutions LLCLoan Insurances350 VETERANS WAY SUITE 200, Carmel, IN 46032$224,246
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$24,667,288
Investment Income
$6,709,096
Other Revenue
$0
Change in Net Assets
$4,724,799
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$18,900,106
Salaries, Compensation, and Employee Benefits$7,751,479
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$8,418,276
Other Salaries and Wages---$5,486,397
Office Expenses---$4,276,652
Occupancy---$1,473,286
Fees for Services Other---$1,390,194
Pension Plan Contributions---$1,343,602
Depreciation Depletion---$764,104
Payroll Taxes---$432,246
Advertising---$408,439
Current Officers, Directors, Trustees, and Key Employees---$339,468
Other Expenses---$179,057
Other Employee Benefits---$149,766
Fees for Services Legal---$119,927
Travel---$96,638
Insurance---$88,978
Fees for Services Accounting---$85,729
Conferences and Meetings---$80,232
Total Functional Expenses$0$0$0$26,651,585
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
MEMBERS' SHARES AND DEPOSITS$467,735,024
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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

“Membership is required by the credit union.”

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

“The organization has members who vote annually to elect board members.”

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

“The form 990 is prepared by an outside accountant. An electronic copy is provided to the board of directors for review.”

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

“The human resources manager requires conflict of interest policy acknowledgement forms signed annually.”

Form 990, Part VI, Section B, Line 15

“The board of directors does an annual review utilizing performance pro software. Compease software is used to determine appropriate salary. All reviews are conducted by appropriate supervisors/managers using performance pro software with salaries determined within compease software.”

Form 990, Part VI, Section C, Line 19

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

Filing and Contact Details

Filer

Filer Name
Members Heritage Credit Union Inc
EIN
61-0575996
Phone
8592593466
Address
440 PARK PLACE, LEXINGTON, KY 40511

Signing Officer

Name
Pat Ferry
Title
President
Phone
8592593466
Signed
2025-10-29
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Pat Ferry
Formed
1960
Legal Domicile
Ky
Voting Board Members
5
Independent Board Members
5
Employees
103
Volunteers
17

Preparer

Firm
Gbq Partners LLC
Address
4030 SMITH ROAD SUITE 400, CINCINNATI, OH 45209
Preparer
Kathleen M Moseley
Phone
5138713033
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Net unrecognized pension plan costs 1,124,573.”

FORM 990, PART XII, LINE 2C:

“The supervisory committee selects an external auditing firm to complete an annual audit. The process has not changed from prior year.”

Financial Statement Notes

PART X, LINE 2:

“The credit union accounts for uncertainty in income taxes in its consolidated financial statements as required under financial accounting standards board (fasb) accounting standards codification (asc), accounting for uncertainty in income taxes. The standard prescribes a recognition threshold and measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. The standard also provides guidance on de-recognition, classification, interest, and penalties, accounting in interim periods, disclosure and transition accounting. Management determined there were no material uncertain positions taken by the credit union in its tax returns.”

Raw XML AppendixShowing 400 of 483 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.

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IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt07
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InsuranceGrp/TotalAmt088978
IRS990/InterestGrp/TotalAmt08418276
IRS990/InvestmentIncomeGrp/ExclusionAmt06709096
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt06709096
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt064392420
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt051212955
IRS990/IRPDocumentCnt08404
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt06384465
IRS990/LandBldgEquipBasisNetGrp/BOYAmt06066704
IRS990/LandBldgEquipBasisNetGrp/EOYAmt05722161
IRS990/LandBldgEquipCostOrOtherBssAmt012106626
IRS990/LegalDomicileStateCd0KY
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0THE PURPOSE OF THIS CREDIT UNION SHALL BE TO PROMOTE THRIFT AND TO PROVIDE CREDIT FOR ITS MEMBERS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt060488866
IRS990/NetAssetsOrFundBalancesEOYAmt066338238
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01473286
IRS990/OfficeExpensesGrp/TotalAmt04276652
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt09939674
IRS990/OtherAssetsTotalGrp/EOYAmt010122722
IRS990/OtherChangesInNetAssetsAmt01124573
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0149766
IRS990/OtherExpensesGrp/Desc0PROVISION OF LOAN LOSSE
IRS990/OtherExpensesGrp/Desc1MISCELLANEOUS
IRS990/OtherExpensesGrp/Desc2DUES AND SUBSCRIPTIONS
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING EXPENSES
IRS990/OtherExpensesGrp/TotalAmt01000000
IRS990/OtherExpensesGrp/TotalAmt1307133
IRS990/OtherExpensesGrp/TotalAmt2211461
IRS990/OtherExpensesGrp/TotalAmt3179057
IRS990/OtherLiabilitiesGrp/BOYAmt0458934758
IRS990/OtherLiabilitiesGrp/EOYAmt0467735024
IRS990/OtherSalariesAndWagesGrp/TotalAmt05486397
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0360540908
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0362830629
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0432246
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt01343602
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0PAT FERRY
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522299
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1OTHER INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt019956498
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt14666344
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt019956498
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt14710790
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt044446
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt05674765
IRS990/PYOtherExpensesAmt015841932
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt022110760
IRS990/PYRevenuesLessExpensesAmt04736883
IRS990/PYSalariesCompEmpBnftPaidAmt07206710
IRS990/PYTotalExpensesAmt023048642
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt027785525
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt04724799
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt060488866
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt066338238
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02084763
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03630124
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt05714887
IRS990ScheduleD/EquipmentGrp/BookValueAmt02460324
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02586755
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt05047079
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt01151209
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01151209
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt025865
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0167586
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0193451
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0467735024
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARES AND DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt036866895
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt12469401
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt27343463
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt327394
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt44505802
IRS990ScheduleD/OtherSecuritiesGrp/Desc0AFS SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc1DEPOSITS IN CORPORATE CENTRALS
IRS990ScheduleD/OtherSecuritiesGrp/Desc2OTHER SHARE DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/Desc3INVESTMENT IN MEMBERS INSURANCE
IRS990ScheduleD/OtherSecuritiesGrp/Desc4NCUSIF CAPITALIZATION DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4C
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION ACCOUNTS FOR UNCERTAINTY IN INCOME TAXES IN ITS CONSOLIDATED FINANCIAL STATEMENTS AS REQUIRED UNDER FINANCIAL ACCOUNTING STANDARDS BOARD (FASB) ACCOUNTING STANDARDS CODIFICATION (ASC), ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES. THE STANDARD PRESCRIBES A RECOGNITION THRESHOLD AND MEASUREMENT ATTRIBUTE FOR THE FINANCIAL STATEMENT RECOGNITION AND MEASUREMENT OF A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. THE STANDARD ALSO PROVIDES GUIDANCE ON DE-RECOGNITION, CLASSIFICATION, INTEREST, AND PENALTIES, ACCOUNTING IN INTERIM PERIODS, DISCLOSURE AND TRANSITION ACCOUNTING. MANAGEMENT DETERMINED THERE WERE NO MATERIAL UNCERTAIN POSITIONS TAKEN BY THE CREDIT UNION IN ITS TAX RETURNS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05722161
IRS990ScheduleD/TotalBookValueSecuritiesAmt051212955
IRS990ScheduleD/TotalLiabilityAmt0467735024
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0331424
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1187676
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2178114
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount01000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount11000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount21000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt06648
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt13825
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt23582
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt0396
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt13332
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt2396
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0PATRICK H FERRY
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1SHERRI BLAKEMAN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2JEFFREY MARSHALL
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1EXECUTIVE VP
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2CONTROLLER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0339468
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1195833
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2183092
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt20
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERSHIP IS REQUIRED BY THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION HAS MEMBERS WHO VOTE ANNUALLY TO ELECT BOARD MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE FORM 990 IS PREPARED BY AN OUTSIDE ACCOUNTANT. AN ELECTRONIC COPY IS PROVIDED TO THE BOARD OF DIRECTORS FOR REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE HUMAN RESOURCES MANAGER REQUIRES CONFLICT OF INTEREST POLICY ACKNOWLEDGEMENT FORMS SIGNED ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS DOES AN ANNUAL REVIEW UTILIZING PERFORMANCE PRO SOFTWARE. COMPEASE SOFTWARE IS USED TO DETERMINE APPROPRIATE SALARY. ALL REVIEWS ARE CONDUCTED BY APPROPRIATE SUPERVISORS/MANAGERS USING PERFORMANCE PRO SOFTWARE WITH SALARIES DETERMINED WITHIN COMPEASE SOFTWARE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6NET UNRECOGNIZED PENSION PLAN COSTS 1,124,573.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE SUPERVISORY COMMITTEE SELECTS AN EXTERNAL AUDITING FIRM TO COMPLETE AN ANNUAL AUDIT. THE PROCESS HAS NOT CHANGED FROM PRIOR YEAR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 9:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XII, LINE 2C:
IRS990ScheduleR/IdDisregardedEntitiesGrp/DirectControllingEntityName/BusinessNameLine1Txt0MEMBERS HERITAGE CREDIT UNION INC
IRS990ScheduleR/IdDisregardedEntitiesGrp/DisregardedEntityName/BusinessNameLine1Txt0MEMBERS INSURANCE SERVICES INC
IRS990ScheduleR/IdDisregardedEntitiesGrp/EIN0611059580

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