IOWA HEARTLAND CREDIT UNION

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1932

Legal Domicile

Principal Officer

TERANIE HEINZERLING

Phone

6414245391

Tax Period

2025-01-01 to 2025-12-31

IOWA HEARTLAND CREDIT UNION, founded in 1932, is a community nonprofit that reported $1.6M in total revenue in fiscal year 2025. Revenue grew 20% year-over-year, indicating healthy expansion. The organization ran a surplus of $298K, a strong 19% operating margin.

Mission

THE ORGANIZATION OPERATES FOR THE PRIMARY PURPOSE OF PROMOTING THRIFT, PROVIDING CREDIT AT REASONABLE RATES, AND PROVIDING OTHER FINANCIAL SERVICES TO ITS MEMBERS.

Program Service Accomplishments

Program 1

Expenses: $1,305,420 Revenue: $877,184

CHEKCING/DEBIT CARD PROGRAMTHE ORGANIZATION SERVICES APPROXIMATELY 930 CHECKING ACCOUNTS. SERVICES INCLUDE: POSTING TRANSACTIONS TO REPSPECTIVE ACCOUNTS, REORDERING OF EXPIRING CARDS, PROCESSING...

CHEKCING/DEBIT CARD PROGRAMTHE ORGANIZATION SERVICES APPROXIMATELY 930 CHECKING ACCOUNTS. SERVICES INCLUDE: POSTING TRANSACTIONS TO REPSPECTIVE ACCOUNTS, REORDERING OF EXPIRING CARDS, PROCESSING CHECK ORDERS, THE ISSUANCE OF CREDIT BUREAU REPORTS AND THE OFFERING OF OVERDRAFT PROTECTION. TOTAL MEMBERS SERVED IN THE 2025 YEAR - 3,335

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $800,303

Investment Income $714,935

Other Revenue $87,865

TOTAL REVENUE $1,603,103

Expense Breakdown

Grants Paid $0

Salaries & Benefits $436,017

Fundraising Expenses $0

Program Expenses $1,305,420

Other Expenses $869,403

TOTAL EXPENSES $1,305,420

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,603,103	$1,340,592	+0.2%
Expenses	$1,305,420	$1,440,743	-0.1%
Net Income	$297,683	$-100,151	-4.0%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$216,326

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SCOTT HAND	CHAIRPERSON	0.30	Officer Director	$0	$0	$0
JENNIFER MOBLEY	VICE CHAIRPERSON	0.30	Officer Director	$0	$0	$0
BRIAN JANSSEN	SECRETARY	0.30	Officer Director	$0	$0	$0
CAROL BOEHLJE	TREASURER	0.30	Officer Director	$0	$0	$0
SAMARA TRENARY	DIRECTOR	0.30	Director	$0	$0	$0
DARYL JOHNSON	DIRECTOR	0.30	Director	$0	$0	$0
LARRY BEHRENDS	DIRECTOR	0.30	Director	$0	$0	$0
AARON BEAVERS	DIRECTOR	0.30	Director	$0	$0	$0
BOB AUSTIN	DIRECTOR	0.30	Director	$0	$0	$0
LOGAN BAHLER	AUDIT CHAIRPERSON	0.30	Director	$0	$0	$0
ERIKA ELBERT	DIRECTOR	0.30	Director	$0	$0	$0
TIARA SCHREVER	FORMER CEO	43.00	Officer	$117,500	$7,078	$124,578
TERANIE HEINZERLING	CURRENT CEO	43.00	Officer	$80,199	$11,549	$91,748

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$1,603,103	$1,305,420	$30,718,836	$297,683
2024	No data	No data	No data	No data
2023	$1,113,022	$856,043	$28,088,471	$256,979
2022	$880,338	$780,678	$29,358,814	$99,660
2021	$811,907	$787,883	$27,885,437	$24,024
2020	$894,363	$839,056	$25,175,622	$55,307
2019	$928,944	$825,442	$21,985,734	$103,502
2018	$909,715	$808,551	$22,474,223	$101,164