HEARTLAND FEDERAL CREDIT UNION is no longer an active credit union according to the NCUA. If available, you can view their website at https://www.thinkheartland.com for more information.
Sep, 30, 2025 — HEARTLAND FEDERAL CREDIT UNION is a federal credit union headquartered in DAYTON, OH with 4 branch locations and about $115.01 million in total assets. Opened 91 years ago in 1935, HEARTLAND FEDERAL CREDIT UNION has about 9,226 members and employs 21 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | HEARTLAND FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 3400 OFFICE PARK DR DAYTON, OH 45439 |
| Phone: | (937) 294-1991 |
| Fax: | (937) 294-0379 |
| Website: | https://www.thinkheartland.com |
| Branches: | 4 branch locations |
| Members: | 9,226 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 264 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1935 |
| Last Audited: | Dec 01, 2020 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $115,007,055 |
| CEO/Manager: | Ronald L Huist |
| Chairperson: | John R Ferneding |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 4,434,108 |
| TOTAL INVESTMENTS | 42,659,419 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 21,717,226 |
| Unsecured Loans | 2,825,365 |
| Other Loans | 37,675,329 |
| TOTAL LOANS | 62,217,920 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -370,000 |
| Land And Building | 1,028,786 |
| Other Fixed Assets | 224,303 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 956,939 |
| All Other Assets | 3,855,580 |
| TOTAL ASSETS | 115,007,055 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 187,799 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 21,815,928 |
| Regular shares | 48,990,600 |
| All Other Shares & Deposits | 32,217,650 |
| TOTAL SHARES & DEPOSITS | 103,024,178 |
| TOTAL LIABILITIES | 103,211,977 |
| Regular Reserve | 1,620,499 |
| Other Reserves | 6,273,101 |
| Undivided Earnings | 3,901,478 |
| TOTAL EQUITY | 11,795,078 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 115,007,055 |
| INCOME & EXPENSE | |
| Loan Income | 1,312,528 |
| Investment Income | 140,909 |
| Other Income | 144,490 |
| Total Employee Compensation & Benefits | 2,398,526 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,067,770 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 32,243 |
| Cost of Funds | 188,203 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -1,641,777 |
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