Z — UnclassifiedEIN: 480612011

Heartland Credit Union

Hutchinson, Kansas

B+Health Score
70B+

Financial Health Score

9-metric score across financial health, operational efficiency, and organizational resilience. Based on IRS Form 990 data.

Good

How This Organization Compares

Compared to 111 peers in Unclassified with $10M-$100M revenue

Working Capital Ratio (net assets ÷ expenses)

This Org1.45×
Peer Median5.86×
💰
$37.2M
Total Revenue
📊
$37.0M
Total Expenses
🏦
$53.5M
Net Assets
📋
$563.0M
Total Liabilities

Financial Trends

5-Year Trend Analysis

Financial Health Indicators

Revenue Growth
+13.7%
Year-over-year change (2022 → 2023)
Net Margin
+0.6%
Revenue minus expenses as % of revenue
Working Capital Ratio
1.45
Net assets divided by total expenses
Liabilities-to-Assets
91.3%
Total liabilities as % of total assets

Filing History

12 filings on record
YearRevenueExpensesAssets
2023$37,223,696↑14%$37,008,797↑37%$616,537,263↑3%
2022$32,731,049↑20%$27,066,002↑32%$598,292,270↑50%
2020$27,221,484↑32%$20,497,382↑2%$398,179,382↑22%
2019$20,614,936↑11%$20,028,387↑10%$325,826,295↑5%
2018$18,531,016↑7%$18,262,341↑18%$311,284,727↑2%
2017$17,325,556↑4%$15,434,196↑11%$306,186,340↑9%
2016$16,580,585↑15%$13,956,853↑9%$279,757,696↑6%
2015$14,475,603↑14%$12,791,707↑13%$264,817,388↑9%
2014$12,656,657↓3%$11,284,856↑7%$243,524,768↑18%
2013$13,113,812↑3%$10,539,083↑5%$207,060,643↑6%
2012$12,713,961↑22%$10,002,898↑7%$195,388,864↑10%
2011$10,423,752$9,353,697$178,192,000

Frequently Asked Questions

What does Heartland Credit Union do?▼

Heartland Credit Union is a unclassified nonprofit organization based in Kansas. It is classified under NTEE code Z and is registered as a 501(c) tax-exempt organization with the IRS.

Is Heartland Credit Union financially healthy?▼

Based on our 9-metric Financial Health Score model, Heartland Credit Union has a score of 70/100 (Grade: B+). This score evaluates working capital, surplus consistency, debt ratio, revenue trends, program spending, fundraising efficiency, executive compensation, revenue diversification, and vulnerability indicators.

How much revenue does Heartland Credit Union generate?▼

Heartland Credit Union reports $45.4M in annual revenue and holds $643.3M in total assets, based on IRS filings.

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