2013-05-14T19:47:11-05:00 2012-12-31 391127312 WCUL Services Corp N25W23131 Paul Rd Suite 500 Pewaukee WI 53072 990 2012-01-01 390716655 Heartland Credit Union HEAR 5325 High Crossing Blvd Madison WI 53718 Sally Dischler 6082827000 2013-05-01 false Cari Thompson P01025704 2625490200 2013-05-14 2012 2016-03-07 17:11:31Z Sally Dischler 12217779 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 95 7 22460 888 0 10967084 11784495 125984 65097 314323 102377 11407391 11951969 0 0 3868332 4286513 0 0 6908522 6227555 10776854 10514068 630537 1437901 176492504 191475493 162310423 176152988 14182081 15322505 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 19,896 members at 12/31. During 2012, we opened 5090 new deposit, transaction and investment accounts. We have 3763 loans during 2012. As of 12/31/12, we had 2073 mortgages/home equity lines, 5685 consumer loans, and 542 member business loans. We also had 3442 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 X 7312 0 true 95 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 Dennis Reinen 1.00 X X 0 0 0 Lois Grans 1.00 X X 0 0 0 Lucy Harr 1.00 X X 0 0 0 Marc Jones 1.00 X X 0 0 0 Paul Beloungy 1.00 X 0 0 0 Rhonda Ledin 1.00 X 0 0 0 Robert Christianson 1.00 X 0 0 0 Kurt Johnson 40.00 X 27124 0 70 Sally Dischler 40.00 X 177619 0 50241 Steve Farnsworth 40.00 X 112217 0 37619 316960 0 87930 2 false true false CUAnswers Inc 6000 28th Street Ste 100 Grand Rapids MI 49546 Data Processing 415186 Physicians Plus Ins Corp PO Box 3057 Milwaukee WI 53201 Employee Health In 350301 Marshall and Isley Bank Retirement Pension Plan Appleton WI 54912 Empl Retirement 549257 New York Life Insurance 2310 Crossroads Drive Madison WI 53718 Life Insurance Ben 825000 Storybridge Studio LLC 5930 Seminole Centre CT Madison WI 53711 Marketing Video 139977 5 Interest on Loans 522100 7984529 7984529 Member AccountCard Fee 522100 1977217 1977217 Other Member Fee Income 522100 1476989 1476989 Non Member ATM Fees 525990 22460 22460 All Other Program Inc 522100 323300 323300 11784495 101959 101959 32852 32852 76472 6947 69525 69525 69525 222001 258863 -36862 -36862 -36862 11951969 11762035 22460 167474 316960 3053630 413728 236421 265774 49776 387030 254558 698266 533743 57426 70355 4439 30742 382438 23536 Dividends to Members 1262548 1262548 Loan Service\Loss Provision 1382538 1382538 Member Account\Card Costs 852252 852252 Member Ins NCUSIF 210628 210628 27280 10514068 0 0 0 1684079 1352288 13826544 16555510 1029220 2626723 148208517 158679580 710306 636189 14695377 6247487 8694481 8447890 1488551 1620323 850806 1556990 176492504 191475493 1336534 1566193 160973889 174586795 162310423 176152988 X 14182081 15322505 14182081 15322505 176492504 191475493 X 1437901 -100156 -197321 X false false false 1729338 1729338 8307412 2518399 5789013 436459 219944 216515 3964855 3322872 641983 257313 186272 71041 8447890 NCUA Capitalization 1620323 C 1620323 Member Shares & Deposits 173490038 Net Pension Liability 959381 All Other Liabilities 137376 174586795 X false false false Sally Dischler 146463 31156 39484 10757 227860 O01 Unrelated business income explanation Part V line 3b We will file for an extension, if necessary. O02 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). O03 Member election for additional members Part VI line 7a The Board of Directors is elected by the membership utilizing their one vote per member. O04 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 organization9s 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). O05 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. O06 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. O07 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 O08 Governing documents etc available to public Part VI line 19 We post our financial statements in all branch lobbies on a monthly basis. O09 Explanation of other changes in net assets or fund balances Part XI line 9 Change in Other Comprehensive Income - $197,321