Nonprofit · EIN 48-0612011
HEARTLAND CREDIT UNION
Tax-exempt · HUTCHINSON, KS 67501
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $51,191,528 | $44,159,195 | $7,032,333 | $689,658,004 | $627,803,378 | $61,854,626 |
| December 31, 2024 | 990 | $45,407,341 | $44,280,472 | $1,126,869 | $643,304,405 | $588,495,814 | $54,808,591 |
| December 31, 2023 | 990 | $37,223,696 | $37,008,797 | $214,899 | $616,537,263 | $563,015,751 | $53,521,512 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $47,720,872
- Investment income
- $2,073,031
- Net gain from sales of assets
- $150,133
- Other revenue
- $1,397,625
Expenses
- Grants and similar amounts paid
- $20,090
- Benefits paid to members
- -$15,531
- Compensation of officers, directors and key employees
- $2,977,116
- Other salaries and wages
- $9,559,629
- Salaries, compensation and benefits (total)
- $14,472,867
- Professional fundraising fees
- $0
- Legal fees
- $51,951
- Accounting fees
- $159,756
- Occupancy
- $893,422
- Travel
- $63,183
- Depreciation
- $1,072,746
Balance sheet and other
- Total assets, start of year
- $643,304,405
- Total assets, end of year
- $689,658,004
- Total liabilities, end of year
- $627,803,378
- Net assets, end of year
- $61,854,626
- Land, buildings and equipment
- $11,425,123
- Publicly traded securities
- $28,058
- Gross unrelated business income
- $433,989
- Gross receipts
- $51,191,528
- Employees
- 189
- Volunteers
- 11
- Year formed
- 1948
- State of legal domicile
- KS
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| DANIEL SPRINGER | PRESIDENT/CEO Officer | 50 | $516,281 | $34,204 |
| JOEL ANDREW | CFO Officer | 50 | $414,548 | $10,533 |
| ZACHARY CLOBES | CTO Officer | 50 | $241,905 | $30,612 |
| JEREMY STAUFFACHER | CXO Officer | 50 | $240,414 | $31,492 |
| BAMBI STEWART | CLO Officer | 50 | $233,939 | $35,115 |
| MICHELLE WALN | CCO Officer | 50 | $239,331 | $17,447 |
| MONTE CROSS | PRESIDENT-HWS Key employee | 50 | $184,644 | $31,660 |
| ANGELA MEILKE | CHIEF STRATEGY OFFICER Officer | 50 | $186,538 | $28,370 |
| BRADLEY RYAN | AVP - AI & DATABASE ADMINISTRATION Highest-paid employee | 50 | $154,292 | $29,529 |
| AMY BRENNAN | VP-COMMERCIAL LENDING Key employee | 50 | $157,531 | $20,643 |
| MICHAEL LORIMOR | VP-REAL ESTATE LENDING Key employee | 50 | $163,088 | $11,396 |
| TASHA ERICKSON | VP - HR AND ORGANIZATIONAL DEVELOPMENT Highest-paid employee | 50 | $137,797 | $24,424 |
| SARAH BASS | VP-BUSINESS RELATIONSHIPS Highest-paid employee | 50 | $138,616 | $17,777 |
| TRACIE DEAN | SENIOR R.E. LOAN CONSULTANT Highest-paid employee | 50 | $143,125 | $10,638 |
| ARIKA MORRELL | WEALTH PLANNER HWS Highest-paid employee | 50 | $131,877 | $18,934 |
9 more people on this return
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| KEVIN HESS | CFO Officer | 50 | $141,255 | $6,169 |
| REX CHRISTNER | CHAIRMAN Trustee or director | 3 | $0 | $0 |
| SHANDI STALLMAN | VICE CHAIRMAN Trustee or director | 2 | $0 | $0 |
| JOHN MCCANNON | BOARD MEMBER Trustee or director | 2 | $0 | $0 |
| KENDALL PULLIAM | BOARD MEMBER Trustee or director | 2 | $0 | $0 |
| MARK WOLESLAGEL | BOARD MEMBER Trustee or director | 2 | $0 | $0 |
| CAROLINE PHELPS | BOARD MEMBER Trustee or director | 2 | $0 | $0 |
| BRIAN MEDER | SECRETARY/TREASURER Trustee or director | 2 | $0 | $0 |
| ROGER CLARK | BOARD MEMBER Trustee or director | 2 | $0 | $0 |
990 for the year ended December 31, 2024: 19 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| DANIEL SPRINGER | PRESIDENT/CEO Officer | 50 | $445,943 | $33,786 |
| JOEL ANDREW | CFO Officer | 50 | $227,281 | $29,663 |
| JEREMY STAUFFACHER | CXO Officer | 50 | $218,610 | $29,297 |
| ZACHARY CLOBES | CTO Officer | 50 | $217,386 | $29,222 |
| BAMBI STEWART | CLO Officer | 50 | $208,588 | $32,000 |
| MICHELLE WALN | CCO Officer | 50 | $221,881 | $16,290 |
| MONTE CROSS | PRESIDENT-HWS Highest-paid employee | 50 | $142,437 | $27,139 |
| AMY BRENNAN | VP-COMMERCIAL LENDING Highest-paid employee | 50 | $141,834 | $19,481 |
| MICHAEL LORIMOR | VP-REAL ESTATE LENDING Highest-paid employee | 50 | $150,232 | $10,497 |
| ANGELA MEILKE | VP-STRATEGIC INITIATIVES Highest-paid employee | 50 | $129,683 | $23,690 |
| SARAH BASS | VP-SALES & SERVICE Highest-paid employee | 50 | $123,894 | $17,159 |
| REX CHRISTNER | CHAIRMAN Trustee or director | 3 | $0 | $0 |
| SHANDI STALLMAN | VICE CHAIRMAN Trustee or director | 2 | $0 | $0 |
| SHEILA MEGGERS | SECRETARY/TREASURER Trustee or director | 2 | $0 | $0 |
| JOHN MCCANNON | BOARD MEMBER Trustee or director | 2 | $0 | $0 |
| KENDALL PULLIAM | BOARD MEMBER Trustee or director | 2 | $0 | $0 |
| MARK WOLESLAGEL | BOARD MEMBER Trustee or director | 2 | $0 | $0 |
| MIKE JUBY | BOARD MEMBER Trustee or director | 2 | $0 | $0 |
| CAROLINE PHELPS | BOARD MEMBER Trustee or director | 2 | $0 | $0 |
990 for the year ended December 31, 2023: 19 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| DANIEL SPRINGER | PRESIDENT/CEO Officer | 50 | $463,204 | $32,063 |
| JOEL ANDREW | CFO Officer | 50 | $222,285 | $43,208 |
| ZACHARY CLOBES | CTO Officer | 50 | $214,349 | $33,110 |
| JEREMY STAUFFACHER | CXO Officer | 50 | $211,409 | $32,894 |
| BAMBI STEWART | CLO Officer | 50 | $190,439 | $40,963 |
| MICHELLE WALN | CCO Officer | 50 | $211,162 | $19,990 |
| MONTE CROSS | PRESIDENT-HWS Highest-paid employee | 50 | $140,940 | $40,155 |
| AMY BRENNAN | VP-COMMERCIAL LENDING Highest-paid employee | 50 | $146,199 | $19,194 |
| ANGELA MEILKE | VP-STRATEGIC INITIATIVES Highest-paid employee | 50 | $125,764 | $27,906 |
| MICHAEL LORIMOR | VP-REAL ESTATE LENDING Highest-paid employee | 50 | $133,107 | $9,305 |
| SARAH BASS | VP-SALES & SERVICE Highest-paid employee | 50 | $122,882 | $16,348 |
| REX CHRISTNER | CHAIRMAN Trustee or director | 3 | $0 | $0 |
| SHANDI STALLMAN | VICE CHAIRMAN Trustee or director | 2 | $0 | $0 |
| SHEILA MEGGERS | SECRETARY/TREASURER Trustee or director | 2 | $0 | $0 |
| JOHN MCCANNON | BOARD MEMBER Trustee or director | 2 | $0 | $0 |
| KENDALL PULLIAM | BOARD MEMBER Trustee or director | 2 | $0 | $0 |
| MARK WOLESLAGEL | BOARD MEMBER Trustee or director | 2 | $0 | $0 |
| MIKE JUBY | BOARD MEMBER Trustee or director | 2 | $0 | $0 |
| CAROLINE PHELPS | BOARD MEMBER Trustee or director | 2 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 129 W AVENUE A, HUTCHINSON, KS 67501-5407
- In care of
- % HEARTLAND CREDIT UNION
- Principal officer (990 for 2025)
- KEVIN HESS, 4000 N MONROE ST, HUTCHINSON, KS 675022224
- Signed the 990
- KEVIN HESS, CFO
- Phone
- (620) 669-0177
- Website
- WWW.HCU.COOP
- Return prepared by
- J TENBRINK & ASSOCIATES
Mission
TO PROVIDE HIGH QUALITY FINANCIAL SERVICES TO OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.
Program accomplishments
- PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 40,298 MEMBERS.
- PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2025, THERE WERE 32,105 LOANS OUTSTANDING TOTALING $580,716,656, INCLUDING PARTICIPATIONS.
- PAID DIVIDENDS ON DEPOSITS TOTALING $10,600,707 FOR THE YEAR.
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 48-0612011
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1983
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Assets (IRS master file)
- $689,658,004
- Income (IRS master file)
- $51,191,528
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $51,191,528 | $44,159,195 | $689,658,004 | XML |
| 990 | December 2024 | $45,407,341 | $44,280,472 | $643,304,405 | XML |
| 990 | December 2023 | $37,223,696 | $37,008,797 | $616,537,263 | XML |
| 990 | December 2022 | $32,731,049 | $27,066,002 | $598,292,270 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
| 990 | December 2017 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 48-0612011).
Questions about HEARTLAND CREDIT UNION
- What is the EIN of HEARTLAND CREDIT UNION?
- The employer identification number (EIN) of HEARTLAND CREDIT UNION is 48-0612011.
- Is HEARTLAND CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1983.
- Are donations to HEARTLAND CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does HEARTLAND CREDIT UNION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of HEARTLAND CREDIT UNION due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did HEARTLAND CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of HEARTLAND CREDIT UNION?
- The 990 for the year ended December 31, 2025 names KEVIN HESS.
- Who are the officers and directors of HEARTLAND CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 24 people; 16 received compensation from the organization, the highest $516,281 (DANIEL SPRINGER, PRESIDENT/CEO).
- How much revenue does HEARTLAND CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $51,191,528, expenses of $44,159,195 and total assets of $689,658,004 at year end.
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