2014-11-12T20:18:54-06:00 2013-12-31 391127312 WCUL Services Corp N25W23131 Paul Rd Suite 500 Pewaukee WI 53072 990 2013-01-01 390716655 Heartland Credit Union HEAR 5325 High Crossing Blvd Madison WI 53718 Sally Dischler PresidentCEO 6082827000 2014-05-07 false Cari Thompson P01025704 2625490200 2014-05-09 2013 2015-11-30 17:44:51Z Sally Dischler 11842123 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 7 100 7 22482 0 0 11784495 11374318 65097 104259 102377 355967 11951969 11834544 0 0 4286513 4630914 0 0 6227555 5614214 10514068 10245128 1437901 1589416 191475493 213458902 176152988 194605591 15322505 18853311 To provide our members with quality, cost-effective, personalized financial services that contribute to their social and economic well-being. false false We have deposit, transaction, and investment accounts with 21,237 members at 12/31. During 2013, we opened 4,421 new deposit, transaction and investment accounts. We have 3376 loans during 2013. As of 12/31/13, we had 2470 mortgages/home equity lines, 4314 consumer loans, and 576 member business loans. We also had 3098 credit card accounts with our members. 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 7961 0 true 100 true true 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 Sally Dischler PresidentCEO 40.00 0.00 X 187776 0 56679 Steve Farnsworth Executive Vice President 40.00 0.00 X 120013 0 33676 Kurt Johnson CFO 40.00 0.00 X 99917 0 2892 407706 0 93247 2 false true false CUAnswers Inc 6000 28th Street Ste 100 Grand Rapids MI 49546 Data Processing 432777 Physicians Plus Ins Corp PO Box 3057 Milwaukee WI 53201 Employee Health In 325459 Zebradog 1249 Williamson Street Madison WI 53703 Branding 184782 LaMacchia Group 157 North Milwaukee Street Milwaukee WI 53202 Branding 173871 Storybridge Studio LLC 5930 Seminole Centre Court Madison WI 53711 Marketing Video 142343 7 Interest on Loans 522100 7930258 7930258 Member AccountCard Fee 522100 2004274 2004274 Other Member Fee Income 522100 1070820 1070820 Non Member ATM Fees 525990 22482 22482 All Other Program Inc 522100 346484 346484 11374318 97401 97401 33199 33199 90969 7579 83390 83390 83390 6858 6858 6858 6858 Non Operationg IncExp 522100 54059 54059 Gain on Merger 522100 185319 185319 239378 11834544 11591214 22482 220848 407706 3256731 415373 259222 291882 84399 588869 285389 689942 621632 41078 89480 30575 419835 26045 Dividends to Members 1056873 1056873 Loan ServiceLoss Provision 471910 471910 Member AccountCard Costs 967426 967426 Member Ins NCUSIF 196212 196212 44549 10245128 0 0 0 1352288 1839855 16555510 28480147 2626723 605117 158679580 168660011 636189 844019 15388870 6616114 8447890 8772756 1620323 1861767 1556990 2395230 191475493 213458902 1566193 1680980 174586795 192924611 176152988 194605591 X 15322505 18853311 15322505 18853311 191475493 213458902 X 1589416 1941390 X false false false 1729338 1729338 8545278 2761228 5784050 620604 268058 352546 4236338 3351823 884515 257312 235005 22307 8772756 NCUA Capitalization 1861767 C 1861767 Member Shares & Deposits 191937930 Net Pension Liability 833178 All Other Liabilities 153503 192924611 X false false false Sally Dischler PresidentCEO 152976 34800 45179 11500 244455 Steve Farnsworth Executive Vice President 120013 24517 9159 153689 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 Change in Other Comprehensive Income - ($209,145) + Acquired Equity due to Merger $2,150,535 = Net Other Change in Net Assets $1,941,390