Is it real?
No. The IRS revoked its tax exemption. Latest filing on record: FY2021.
IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File
Who runs it and what they're paid
8 people listed on the 990; $513K paid to officers and key staff.
Compensation history total reportable pay by year · 8 named individuals · Part VII
| Name | FY2021 | FY2020 |
|---|---|---|
| Anita Rauch | $493,004 | $379,337 |
| Heather Ristow | — | $173,187 |
| Kelly Chambers | — | $166,992 |
| Troy Ewer | — | $132,076 |
| Chelsea Zastrow | $20,210 | $129,042 |
| Ami Simons | — | $126,939 |
| Michael Harty | — | $114,905 |
| Dave Macintire | — | $107,262 |
Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.
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Questions the 990 asks
The form asks each of these directly. These are the filed answers.
- Family or business ties among officersPt VI · Ln 2No
- Top official's pay set by an independent reviewPt VI · Ln 15aYes
Programs and updates
Helps people simplify banking, meet financial needs, and save time.
Questions for Heritage Credit Union
Your first name shows with your question. Heritage Credit Union answers here, for everyone.
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To promote thrift & provide low cost loans among members. This is accomplished on a co-operative non-profit basis for the benefit of the MEMBERSHIP.THE organization had 28,752 members at the end of 2022 with 4,245,339 potential members. The organization granted 583 loans in 2022.
By the numbers
The FY2021 990, line by line.
Download 990
| Line | Start FY21 | End FY21 |
|---|---|---|
| Cash and savingsLn 1–2 | $29.0M | $0 |
| InvestmentsLn 11–13 | $72.4M | $0 |
| Land, buildings, equipmentLn 10c | $26.5M | $0 |
| Total assetsLn 16 | $461.3M | $0 |
| LiabilitiesLn 26 | $410.6M | $0 |
| Net assetsLn 32 | $50.7M | $0 |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Pay of current officers, directors and key staffLn 5 | $543K | |||
| Other salaries and wagesLn 7 | $901K | |||
| Pension plan contributionsLn 8 | $9K | |||
| Other employee benefitsLn 9 | $167K | |||
| Payroll taxesLn 10 | $114K | |||
| Legal feesLn 11b | $551 | |||
| Accounting feesLn 11c | $20K | |||
| Other fees for servicesLn 11g | $28K | |||
| Advertising and promotionLn 12 | $45K | |||
| Office expensesLn 13 | $166K | |||
| Information technologyLn 14 | $138K | |||
| OccupancyLn 16 | $180K | |||
| TravelLn 17 | $10K | |||
| InterestLn 20 | $63K | |||
| Depreciation, depletion and amortizationLn 22 | $192K | |||
| InsuranceLn 23 | $19K | |||
| Other expenses (24a–d)Ln 24 | $551K | |||
| All other expensesLn 24e | $57K | |||
| Total functional expensesLn 25 | $3.2M |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2021 Latest Viewing | $20.2M | $16.6M | $3.6M | $50.7M | 990 PDF |
| FY2020 | $19.6M | $17.2M | $2.5M | $45.0M | 990 PDF |
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Schedules filed Part IV
See the full FY2021 990 (6 parts)
Part I · Summary $2,753,323 revenue, 12 lines filed
Part VI · Governance 6 of 7 board members independent, no flags
Part VIII · Statement of revenue $2,753,323 across 5 lines filed
Part IX · Statement of functional expenses $3,204,172 across 18 lines filed
Part X · Balance sheet $0 assets, 18 lines filed
Part XI · Reconciliation of net assets $0 net assets at year end
Form 990 e-file (XML) FY2021 from the IRS · Classification, formation year and address from the IRS Business Master File
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