Sep, 30, 2025 — HEARTLAND CREDIT UNION is a federally insured state chartered credit union headquartered in SPRINGFIELD, IL with 3 branch locations and about $534.17 million in total assets. Opened 80 years ago in 1946, HEARTLAND CREDIT UNION has about 35,403 members and employs 79 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 CREDIT UNION |
|---|---|
| Address: (Main Office) | 2213 W White Oaks Dr SPRINGFIELD, IL 62704 |
| Phone: | (217) 726-8877 |
| Fax: | (217) 726-2157 |
| Website: | https://www.hcu.org |
| Branches: | 3 branch locations |
| Members: | 35,403 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 64441 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1946 |
| Last Audited: | May 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $534,171,011 |
| CEO/Manager: | Tom Lex |
| Chairperson: | Jane Kiel |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 87,178,010 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 764,295 |
| Real Estate Loans | 31,369,832 |
| Unsecured Loans | 5,653,399 |
| Other Loans | 348,208,784 |
| TOTAL LOANS | 385,232,015 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,650,757 |
| Land And Building | 4,172,367 |
| Other Fixed Assets | 552,307 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 4,128,347 |
| All Other Assets | 0 |
| TOTAL ASSETS | 534,171,011 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 2,241,304 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 69,287,030 |
| Regular shares | 144,224,519 |
| All Other Shares & Deposits | 247,081,012 |
| TOTAL SHARES & DEPOSITS | 460,592,561 |
| TOTAL LIABILITIES | 462,833,865 |
| Regular Reserve | 0 |
| Other Reserves | -292,744 |
| Undivided Earnings | 71,629,890 |
| TOTAL EQUITY | 71,337,146 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 534,171,011 |
| INCOME & EXPENSE | |
| Loan Income | 16,256,781 |
| Investment Income | 4,402,706 |
| Other Income | 2,581,546 |
| Total Employee Compensation & Benefits | 5,224,086 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 4,931,912 |
| Non-operating Income & (Expense) | 153,044 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 818,820 |
| Cost of Funds | 6,807,365 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 7,530,413 |
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