2015-07-25T15:44:26-05:00 2014-12-31 391127312 WCUL Services Corp N25W23131 Paul Rd Suite 500 Pewaukee WI 53072 990 2014-01-01 390716655 Heartland Credit Union HEAR 5325 High Crossing Blvd Madison WI 53718 Sally Dischler PresidentCEO 6082827000 2015-07-24 false Cari Thompson P01025704 2625490200 2015-07-25 2014 2016-02-25 16:41:14Z Sally Dischler 11727569 false X www.heartlandcu.org X 1936 WI To provide our members with quality, cost-effective, personalized financial services that contribute to their social and economic well-being. 7 7 101 7 22957 0 0 11374318 11454616 104259 147206 355967 119888 11834544 11721710 0 0 4630914 4907654 0 0 5614214 5506715 10245128 10414369 1589416 1307341 213458902 226832327 194605591 206272860 18853311 20559467 To provide our members with quality, cost-effective, personalized financial services that contribute to their social and economic well-being. false false We have 2446 loans during 2014. As of 12/31/14, we had 137 mortgages/home equity lines, 2051 consumer loans, and 258 member business loans. We also had 3414 credit card accounts with our members. We have deposit, transaction, and investment accounts with 20,491 members at 12/31. During 2014, we opened 4,067 new deposit, transaction and investment accounts. false false false false false false false false true false false false true false false false false false false false false false false false false false false true false false false false false false false false false false false false false false false true X 5466 0 true 101 true true false false false false false false X 7 7 false false false false true true true true true false false true true true true true true true false false X Sally Dischler 6082827000 5325 High Crossing Blvd Madison WI 53718 Lois Grans Vice-Chair 1.00 0.00 X X 0 0 0 Dennis Reinen Chair 1.00 0.00 X X 0 0 0 Marc Jones Treasurer 1.00 0.00 X X 0 0 0 Rhonda Ledin Director 1.00 0.00 X 0 0 0 Paul Beloungy Director 1.00 0.00 X 0 0 0 Robert Christianson Director 1.00 0.00 X 0 0 0 Lucy Harr Secretary 1.00 0.00 X X 0 0 0 Phil Frye Director 0.00 0.00 X 0 0 0 Sally Dischler PresidentCEO 40.00 0.00 X 202956 0 54411 Steve Farnsworth Executive Vice President 40.00 0.00 X 126069 0 35672 Kurt Johnson CFO 40.00 0.00 X 111588 0 12694 440613 0 102777 3 false true false Interest on Loans 522100 8138968 8138968 Member AccountCard Fee 522100 2078518 2078518 Other Member Fee Income 522100 847122 847122 Non Member ATM Fees 525990 22957 22957 All Other Program Inc 522100 367051 367051 11454616 147206 147206 34094 34094 82295 5859 76436 76436 76436 Non Operationg IncExp 522100 9358 9358 9358 11721710 11441017 22957 257736 440613 3493182 343322 313643 316894 59129 464391 280336 735000 636522 55355 101277 31150 483859 87977 Dividends to Members 998997 998997 Loan Servicing 439930 439930 Member AccountCard Costs 1103469 1103469 Provision for Loan Loss 7376 7376 21947 10414369 0 0 0 1839855 1787495 28480147 37541831 605117 1359672 168660011 171722580 844019 906446 14957762 6584510 8772756 8373252 1861767 1965619 2395230 3175432 213458902 226832327 1680980 1883983 192924611 204388877 194605591 206272860 X 18853311 20559467 18853311 20559467 213458902 226832327 X 1307341 398815 X false false false 1729338 1729338 8587015 3020896 5566119 620604 331512 289092 3762663 2976440 786223 258142 255662 2480 8373252 NCUA Capitalization 1965619 C 1965619 Member Shares & Deposits 203940512 Net Pension Liability 257280 All Other Liabilities 191085 204388877 X false false false Sally Dischler PresidentCEO 172830 30126 40830 13581 257367 Steve Farnsworth Executive Vice President 126069 25131 10541 161741 Unrelated business income explanation Part V line 3b We will file for an extension, if necessary. Members or stockholder classes and rights Part VI line 6 The organization consists of members. To be a member, one must have a share/savings account. Each member has one vote to elect the governing body (Board of Directors). Member election for additional members Part VI line 7a The Board of Directors is elected by the membership utilizing their one vote per member. Governing body decisions Part VI line 7b Each member has one vote to utilize in ratifying significant decisions beyond the authority of the Board as outlined in the organization's bylaws. Any decision to dissolve or merge the organization requires approval of membership, unless mandated by regulatory agency (i.e., NCUA, Wisconsin Office of Credit Unions). Form 990 governing body review Part VI line 11 Form 990 is reviewed for errors and omissions first by credit union executives, then provided to the board of directors for review before it is filed. Conflict of interest policy compliance Part VI line 12c Employees and officials are required to disclose any known conflicts of interest annually. All vendor contracts are reviewed for any conflicts of interest prior to execution. CEO executive director top management comp Part VI line 15a To determine CEO compensation, the executive committee of the board of directors reviewed annual CEO goals, CUES Executive Compensation Salary Data by geographic region, credit union financial results specifically the ROA, and the projected budget for the coming year. The executive committee then met in private to determine the compensation. The minutes of the CEO Review and Executive Committee were documented by the board secretary. The Board Chairman then provided the results of the review and compensation to the entire board during closed session Governing documents etc available to public Part VI line 19 We post our financial statements in all branch lobbies on a monthly basis. Explanation of other changes in net assets or fund balances Part XI line 9 Other Comprehensive Income