2025-11-05T05:41:05-06:00 2024-12-31 810781371 J TENBRINK & ASSOCIATES 11272 S RIDGEVIEW RD OLATHE KS 660616454 990 2024-01-01 480612011 HEARTLAND CREDIT UNION HEAR 6206690177 129 W AVENUE A HUTCHINSON KS 67501 KEVIN HESS CFO 6206690177 2025-11-05 1 0 GERALD TENBRINK P00638199 9138946214 2025-11-04 2024 2025-03-06 01:10:19Z DANIEL SPRINGER 4000 N MONROE ST HUTCHINSON KS 675022224 48774028 0 X WWW.HCU.COOP X 1948 KS TO PROVIDE HIGH QUALITY FINANCIAL SERVICES TO OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION. 7 7 175 13 353853 0 1500 8850 36098298 43684599 1123898 1713892 0 0 37223696 45407341 20800 32742 0 0 11646861 12681874 0 0 0 25341136 31565856 37008797 44280472 214899 1126869 616537263 643304405 563015751 588495814 53521512 54808591 X TO PROVIDE HIGH QUALITY FINANCIAL SERVICES TO OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION. 1 0 PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 39,635 MEMBERS. PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2024, THERE WERE 31,627 LOANS OUTSTANDING TOTALING $551,548,692, INCLUDING PARTICIPATIONS. PAID DIVIDENDS ON DEPOSITS TOTALING $10,432,404 FOR THE YEAR. 0 1 0 0 0 0 0 0 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 1 0 0 1 10605 0 1 175 1 1 1 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 1 1 1 0 1 1 0 1 1 1 1 1 1 1 0 X KEVIN HESS 6206690177 129 W AVENUE A HUTCHINSON KS 67501 REX CHRISTNER CHAIRMAN 3.00 X 0 0 0 SHANDI STALLMAN VICE CHAIRMAN 2.00 X 0 0 0 SHEILA MEGGERS SECRETARY/TREASURER 2.00 X 0 0 0 JOHN MCCANNON BOARD MEMBER 2.00 X 0 0 0 KENDALL PULLIAM BOARD MEMBER 2.00 X 0 0 0 MARK WOLESLAGEL BOARD MEMBER 2.00 X 0 0 0 MIKE JUBY BOARD MEMBER 2.00 X 0 0 0 CAROLINE PHELPS BOARD MEMBER 2.00 X 0 0 0 DANIEL SPRINGER PRESIDENT/CEO 50.00 X 445943 0 33786 JOEL ANDREW CFO 50.00 X 227281 0 29663 MICHELLE WALN CCO 50.00 X 221881 0 16290 ZACHARY CLOBES CTO 50.00 X 217386 0 29222 BAMBI STEWART CLO 50.00 X 208588 0 32000 JEREMY STAUFFACHER CXO 50.00 X 218610 0 29297 MICHAEL LORIMOR VP-REAL ESTATE LENDING 50.00 X 150232 0 10497 MONTE CROSS PRESIDENT-HWS 50.00 X 142437 0 27139 AMY BRENNAN VP-COMMERCIAL LENDING 50.00 X 141834 0 19481 ANGELA MEILKE VP-STRATEGIC INITIATIVES 50.00 X 129683 0 23690 SARAH BASS VP-SALES & SERVICE 50.00 X 123894 0 17159 2227769 0 268224 13 0 1 0 ALKAMI TECHNOLOGY PO BOX 122223 DEPT 2223 DALLAS TX 753122223 SOFTWARE PROVIDER 616075 JACK HENRY & ASSOCIATES INC PO BOX 609 MONETT MO 65708 CORE PROVIDER 583161 NUSOURCE FINANCIAL 9749 HAMILTON ROAD EDEN PRAIRIE MN 55344 ATM HARDWARE 405770 INSIGHT DIRECT USA INC PO BOX 731069 DALLAS TX 753731069 TECHNOLOGY HARDWARE 355695 LANVERA LTD 112 WRANGLER DR STE 150 COPPELL TX 75019 STATEMENT VENDOR 303263 5 8850 8850 INTEREST ON LOANS 522100 35165695 35165695 FEES & OTHER INCOME 522100 8201395 8165051 36344 INSURANCE & WARRANTIES 524298 317509 317509 43684599 1688053 1688053 3392526 3366687 25839 25839 25839 45407341 45044638 353853 0 9500 23242 1709946 8872862 416064 954807 728195 49190 254084 580650 870333 2935700 2105123 822372 71033 282141 945595 1095761 169255 DIVIDENDS ON SHARES 11216452 PROVISION FOR LOAN LOSS 7228051 LOAN SERVICING 1324315 ASSOCIATION DUES 108210 1507591 44280472 2513323 2860623 27097223 29292713 4595230 4163696 12946497 17143844 519293239 543931924 1071559 886020 22343103 10358260 12304660 11984843 6033789 2070914 20414110 20694079 10267633 10275749 616537263 643304405 6384212 6045419 30139128 45422840 526492411 537027555 563015751 588495814 X 0 0 0 0 53521512 54808591 53521512 54808591 616537263 643304405 1126869 160210 0 X 0 0 0 RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED CREDIT UNION PAC OF KANSAS 901 SW TOPEKA BLVD TOPEKA KS 66612 480949548 2148610 2148610 14536089 6371004 8165085 93388 51428 41960 5565016 3935828 1629188 11984843 SHARES & DEPOSITS 537027555 537027555 1 FOUR $2,500 EDUCATION SCHOLARSHIPS WERE AWARDED 4 10000 C.A.S.H. GRANTS WERE AWARDED TO 10 MEMBER-EDUCATORS 10 3242 PART I, LINE 2: THE HEARTLAND CREDIT UNION EDUCATION SCHOLARSHIP PROGRAM AWARDS NON-RENEWABLE $2,500 SCHOLARSHIPS TO STUDENTS ENROLLED FULL-TIME IN AN ACCREDITED COLLEGE, UNIVERSITY OR TECHNICAL SCHOOL. TO BE ELIGIBLE, APPLICANTS MUST BE A HCU PRIMARY ACCOUNT HOLDER. FUNDS ARE PAID DIRECTLY TO THE SCHOOL IN THE STUDENT'S NAME UPON CONFIRMATION OF ENROLLMENT. THE C.A.S.H. (CELEBRATE ACADEMIC SUCCESS WITH HCU) GRANT PROGRAM WAS ESTABLISHED TO SUPPORT THE PROJECTS OF MEMBER-EDUCATORS. APPLICANTS MUST BE A CURRENT HCU MEMBER WHO TEACHES AT ANY K-12 KANSAS SCHOOL. GRANTS ARE SELECTED BASED ON EDUCATIONAL BENEFIT AND AMOUNTS RANGE FROM $25 TO $400. X 1 1 X X X X X 0 1 0 DANIEL SPRINGER PRESIDENT/CEO 414935 0 24603 0 6405 0 24150 0 9636 0 479729 0 0 0 JOEL ANDREW CFO 219802 0 4107 0 3372 0 15518 0 14145 0 256944 0 0 0 JEREMY STAUFFACHER CXO 206167 0 9994 0 2449 0 15271 0 14026 0 247907 0 0 0 ZACHARY CLOBES CTO 209837 0 4705 0 2844 0 15196 0 14026 0 246608 0 0 0 BAMBI STEWART CLO 195540 0 9940 0 3108 0 14581 0 17419 0 240588 0 0 0 MICHELLE WALN CCO 206845 0 12882 0 2154 0 15484 0 806 0 238171 0 0 0 MONTE CROSS PRESIDENT-HWS 137269 0 3214 0 1954 0 9601 0 17538 0 169576 0 3 0 AMY BRENNAN VP-COMMERCIAL LENDING 129303 0 12531 0 0 0 9845 0 9636 0 161315 0 0 0 MICHAEL LORIMOR VP-REAL ESTATE LENDING 130917 0 18440 0 875 0 10497 0 0 0 160729 0 0 0 ANGELA MEILKE VP-STRATEGIC INITIATIVES 126643 0 1092 0 1948 0 9060 0 14630 0 153373 0 0 0 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. PART I, LINE 4B THE CREDIT UNION PROVIDES SUPPLEMENTAL RETIREMENT BENEFITS FOR THE FOLLOWING OFFICERS THROUGH COLLATERAL ASSIGNMENT SPLIT-DOLLAR LIFE INSURANCE ARRANGEMENTS: DANIEL SPRINGER, PRESIDENT/CEO MICHELLE WALN, CCO ZACHARY CLOBES, CTO JEREMY STAUFFACHER, CXO JOEL ANDREW, CFO BAMBI STEWART, CLO SEE SCHEDULE L FOR FURTHER DETAILS, INCLUDING THE RELATED LOANS OUTSTANDING AT YEAR END. DANIEL SPRINGER PRESIDENT/CEO NONRECOURSE SPLIT DOLLAR PLAN X 2400000 2597275 0 1 1 MICHELLE WALN OFFICER-CCO NONRECOURSE SPLIT DOLLAR PLAN X 2500000 2341918 0 1 1 ZACHARY CLOBES OFFICER-CTO NONRECOURSE SPLIT DOLLAR PLAN X 2250000 2061096 0 1 1 JEREMY STAUFFACHER OFFICER-CXO NONRECOURSE SPLIT DOLLAR PLAN X 2250000 2073714 0 1 1 JOEL ANDREW OFFICER-CFO NONRECOURSE SPLIT DOLLAR PLAN X 1925000 1941247 0 1 1 BAMBI STEWART OFFICER-CLO NONRECOURSE SPLIT DOLLAR PLAN X 1550000 1564121 0 1 1 DANIEL SPRINGER PRESIDENT/CEO NONRECOURSE SPLIT DOLLAR PLAN X 4400000 4564473 0 1 1 17143844 FORM 990, PART III, LINE 2 NEW CHECKING (SPEND) ACCOUNTS LAUNCHED TO PROVIDE MEMBERS WITH BETTER RATES AND BENEFITS. 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 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. MEMBERSOURCE INC 4000 N MONROE HUTCHINSON KS 67502 742809182 SECURITIES BROKERAGE SERVICES KS C -53 119691 1.00000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0