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· Public charity

Heartland Credit Union Charitable Foundation Inc

The heartland credit union charitable foundation (hcucf) invests in and through credit unions to enhance their ability to serve their members and their community.

$287k
Granted FY2022
11
Grants FY2022
2
States reached
$17k
Largest
01What you fundRead
02The needRead
03Your edgeRead
04Your fieldRead
01What you fund
01

What you funded, over time

By grantee IRS cause code (NTEE).

A cause breakdown isn’t shown here: 96% of HEARTLAND CREDIT UNION CHARITABLE FOUNDATION INC’s grantee dollars fall outside its nine largest cause areas, whether because the recipient carries no IRS cause code or because its cause sits in the long tail. A chart would be mostly one residual band and misrepresent the portfolio.

02FY2022 · 11 grants

Where the money goes

Your grants by size, and where they go.

The 11 grants below total $101,673 — the rows itemised in this filing. The $286,850 headline is the total grant expense reported on the return, so the remaining $185,177 is giving the schedule does not break out: grants under the $5,000 itemisation floor, grants to individuals, and grants reported on other schedules. Every figure below describes the itemised rows only.

By grant size · FY2022

  • Under $10k6 grants · $44k
  • $10k–50k5 grants · $58k
$9,500
Median grant
2
States reached
$0
Total assets
Largest grants
RecipientAmount
WEST COMMUNITY CREDIT UNION$17,000
KANSAS CITY CREDIT UNION$10,729
CREDIT UNION OF AMERICA$10,000
ARSENAL CREDIT UNION$10,000
MULTIPLI CREDIT UNION$10,000
NEIGHBORS CREDIT UNION$9,500
CIVIC CENTRAL CREDIT UNION$8,399
ELECTRO SAVINGS CREDIT UNION$8,000
TOGETHER CREDIT UNION$6,650
SKYWARD CREDIT UNION$6,000
VOLT CREDIT UNION$5,395
02The need
03

Do your dollars go where the need is?

Each grant placed by the hardship in its grantee’s ZIP, then read against the area’s typical level.

show:

Dollar for dollar, your grants (FY18–22) land where the poverty rate runs at 13%, against an area that typically sits at 9%. 83% of your dollars go to grantees based in above-average-need neighborhoods. Most of your grants land in higher-need ZIPs.

area typical 9%MAZUMA CREDIT UNION: $10k → 5%HEARTLAND CREDIT UNION: $10k → 15%CREDIT UNION OF AMERICA: $15k → 16%WEST COMMUNITY CREDIT UNION: $17k → 5%ARSENAL CREDIT UNION: $10k → 9%MISSOURI NATIONAL GUARD FOUNDATION: $13k → 10%NEIGHBORS CREDIT UNION: $10k → 11%BOTHWELL HOSPITAL EMPLOYEES CU: $15k → 13%MULTIPLI CREDIT UNION: $10k → 15%KANSAS CITY CREDIT UNION: $11k → 15%SHOW ME CREDIT UNION: $7k → 18%TOGETHER CREDIT UNION: $7k → 21%HEARTLAND CREDIT UNION: $10k → 15%CREDIT UNION OF AMERICA: $10k → 16%MISSOURI VALLEY CU: $10k → 5%CIVIC CENTRAL CREDIT UNION: $8k → 10%NEIGHBORS CREDIT UNION: $8k → 11%MULTIPLI CREDIT UNION: $10k → 15%HOLY ROSARY CREDIT UNION: $13k → 15%TOGETHER CREDIT UNION: $6k → 21%HUTCHINSON POSTAL AND COMMUNITY CU: $5k → 15%WICHITA FEDERAL CU: $8k → 16%1ST FINANCIAL FEDERAL CREDIT UNION: $10k → 5%ELECTRO SAVINGS CREDIT UNION: $8k → 11%VOLT CREDIT UNION: $5k → 15%SKYWARD CREDIT UNION: $6k → 16%SKYWARD CREDIT UNION: $6k → 16%SKYWARD CREDIT UNION: $6k → 16%SKYWARD CREDIT UNION: $6k → 16%0%20%40%50%more need →
grant to an above-average-need area below average· circle size = grant amount

Matched: human-services grants are those whose grantee’s IRS cause code is Human Services. Placed by people below the poverty linein the grantee’s ZIP, averaged from the tracts in that ZIP; grantee ZIP can differ from where services are delivered.

US grants placed by each grantee’s ZIP, which can differ from where services are actually delivered. Need from public data — U.S. Census/ACS, CDC PLACES, Eviction Lab, USDA — shown as context about the area, never attributed to your giving.

04

Where the work is directed

The same grants, placed two ways — where each recipient sits, and where its stated purpose earmarks the money.

About 14% of Heartland Credit Union Charitable Foundation Inc’s grant dollars are earmarked, by their stated purpose, for a different county than the recipient’s own address — money that lands at a nonprofit in one place but is meant to do its work in another. Read by recipient address, 62% of the giving stays in MO; read by stated purpose it is 51% — less of the work is directed home than the recipients' locations suggest.

Heartland Credit Union Charitable Foundation Inclessmore of its giving
Placed by recipient address

Recipient view: each grant at its grantee’s ZIP, mapped to a county. Directed view: each grant at the county its stated purpose names, falling back to the recipient’s county when the purpose names no place; US grants only. A county shows only if it carries the top 95% of that view’s dollars. Purposes are read from the foundation’s own 990 grant descriptions.

03Your edge
repeat funding

Who you back again

Which organizations you funded more than once, and which you funded a single time. Each grantee is matched to its own filings.

47%of every dollar goes to organizations you’ve funded before.
$141k · 7 repeat orgs$160k to everyone else

7 repeat relationships — 5 still active in FY2022, 2 since wound down; 6 grantees were first funded in FY2022 (too recent to call).

How the two cohorts compare

Re-uppedFunded once

Organizations

7
10

Total granted

$141k
$100k

Median revenue growth · since first grant

+45%
+55%

Still filing today

86%
60%

New vs renewed · share of each year

In FY2022, 41% of grant dollars renewed an existing relationship; $60k went to new ones.

50%100%’18’19’20’21’22
RenewedFirst-time

First-time = a grantee’s first year in your filing window; renewed = funded in an earlier year too. As a portfolio matures the renewed share naturally climbs — once funded, an org stays “renewable” — so the signal is the years that buck it (a new-grantee intake wave). The earliest year is left-censored: relationships that predate the data read as “new.” Theme is the grantee’s IRS cause.

Backed again, and grew

  • CU
    CREDIT UNION OF AMERICA
    2× · 2020–2022 · $25k · revenue +61%
  • SC
    SKYWARD CREDIT UNION
    4× · 2018–2022 · $24k · revenue +1%
  • HC
    HEARTLAND CREDIT UNION
    2× · 2018–2019 · $20k · revenue +145%

Funded once

  • BH
    BOTHWELL HOSPITAL EMPLOYEES CREDIT UNION
    one grant, 2019 · $15k · revenue +12%
  • MN
    MISSOURI NATIONAL GUARD FOUNDATION
    one grant, 2021 · $13k · revenue -92%
  • HR
    HOLY ROSARY CREDIT UNIONgraduated
    one grant, 2020 · $13k · revenue +200%

Repeat = funded in two or more distinct years; growth and survival are read from each grantee’s own subsequent IRS filings.

04Your field

The map has a center of gravity: the average direction from the rest of the sector toward the organizations the foundation funds — the shape of its giving. Scoring every nonprofit along that direction surfaces the ones that look most like the portfolio. These are the closest matchesthat aren’t grantees — a resemblance in what they say they do, not a recommendation.

1
Midwest Members Credit Union

Midwest members credit union will become the area's full service credit union of choice by providing convenient member access to a wide range of financial services.

—
2
Central Missouri Community Credit Union

To provide high quality financial services for our members/owners, enhancing their financial well-being while maintaining the financial strength of the credit union.

—
3
Community Star Credit Union

To provide lending,savings, and other financial services to its qualifying members at terms generally better than available in the marketplace and with a service-based emphasis that recognizes the members status as owners.

—
4
Credit Unions in the State of California Sierra Central Credit Union

As your financial institution, we pledge to serve you and our community faithfully. we will be friendly, helpful, and professional, and we will provide great products and competitive rates.

—
5
County-City Credit Union

To help our members meet financial challenges in a responsive, convenient, friendly and caring manner; and to help them find financial security with competitive products and services.

—
6
Best Financial Credit Union

To inspire, empower and improve the qualify of life for our members and our communities.

—
7
Us Employees Credit Union

Illinois state chartered credit union operated for the mutual benefit of its members. The Credit Union makes loans to members and pays dividends to members with share deposits at a competitive rate of interest.

Public Benefit
8
Superior Credit Union Inc

We promise to simplify your life. we promise to work in your best interest. we promise to help you build your financial future. we promise to provide products and services relevant to your needs. we promise to protect your privacy.

Arts & Culture
9
Chicago Post Office Employees Credit Union

Illinois state chartered credit union operated for the mutual benefit of its members. the credit union makes loans to members and pays dividends to members with share savings deposits at a competative rate if interest.

—
10
Sound Credit Union

A member owned cooperative providing financial services, including loans and share deposits to its members.

—
11
The Credit Union for All

The credit union provides security of savings and selected financial services to its members in a convenient, responsive manner, at competitive rates, while maintaining financial stability and capital growth within the association.

—
12
Mcu Financial Services Credit Union

To provide secure, convenient and quality financial services, in an economically sound manner, to all present and potential members.

—

For reference, the grantee most central to the portfolio’s shape is Heartland Credit Union and the most unlike its peers is Missouri National Guard Foundation. Resemblance is measured on each organization’s own IRS 990 mission text; it reflects how work is described, not its quality or impact.

05the grantee network

18 grantees tracked through their own filings, 2017–2025.

Each one resolved to its own IRS returns and tracked year by year — your grant beside their revenue from every source. Association, dated; never a causal claim.

Counted here: distinct organizations you funded across 2017–2025, not grant rows in a single year — so this will not match the grant count on the cover. 18 of the 23 grantees resolved in that span have returns of their own we could reconcile; the rest are funded organizations whose filings we could not track year by year.

0
Load-bearing (≥25% of a budget)
4
Early backer (in before they grew)
18/18
Grantees still filing
14/18
Grew since you first funded

Where your money sits — by cause, then by grantee

CREDIT UNION OF AMERICA — $25,000 · OtherCREDIT UNION OF AMERICASKYWARD CREDIT UNION — $24,000 · OtherSKYWARD CREDIT UNIONMAINSTREET CREDIT UNION — $22,825 · OtherMAINSTREET CREDIT UNIONMULTIPLI CREDIT UNION — $20,000 · OtherMULTIPLI CREDIT UNIONHEARTLAND CREDIT UNION — $20,000 · OtherHEARTLAND CREDIT UNIONWEST COMMUNITY CREDIT UNION — $17,000 · OtherWEST COMMUNITY CREDIT UNIONNEIGHBORS CREDIT UNION — $17,000 · OtherNEIGHBORS CREDIT UNIONBOTHWELL HOSPITAL EMPLOYEES CREDIT UNION — $14,923 · OtherTogether Credit Union — $12,650 · OtherHOLY ROSARY CREDIT UNION — $12,500 · OtherKANSAS CITY CREDIT UNION — $10,729 · OtherARSENAL CREDIT UNION — $10,000 · OtherRIVERWAYS FEDERAL CU — $10,000 · OtherALLTRU FEDERAL CREDIT UNION — $10,000 · OtherMISSOURI VALLEY CU — $10,000 · OtherMAZUMA CREDIT UNION — $10,000 · Other+6 more — $42,276 · Other+6 moreMISSOURI NATIONAL GUARD FOUNDATION — $12,500 · Public Benefit
Other$288,903Public Benefit$12,500

Each org by its size and your share of it — top-left is where you’re load-bearing

25%50%75%100%$1.0M$10M$100Mgrantee revenue →↑ your share of their budgetCREDIT UNION OF AMERICA — $25,000 over 2y, 0.0% of budgetSKYWARD CREDIT UNION — $24,000 over 4y, 0.0% of budgetMULTIPLI CREDIT UNION — $20,000 over 2y, 0.2% of budgetHEARTLAND CREDIT UNION — $20,000 over 2y, 0.1% of budgetWEST COMMUNITY CREDIT UNION — $17,000 over 1y, 0.1% of budgetNEIGHBORS CREDIT UNION — $17,000 over 2y, 0.0% of budgetBOTHWELL HOSPITAL EMPLOYEES CREDIT UNION — $14,923 over 1y, 13% of budgetTogether Credit Union — $12,650 over 2y, 0.0% of budgetMISSOURI NATIONAL GUARD FOUNDATION — $12,500 over 1y, 6.8% of budgetHOLY ROSARY CREDIT UNION — $12,500 over 1y, 0.7% of budgetKANSAS CITY CREDIT UNION — $10,729 over 1y, 0.3% of budgetARSENAL CREDIT UNION — $10,000 over 1y, 0.1% of budgetMAZUMA CREDIT UNION — $10,000 over 1y, 0.0% of budgetCIVIC CENTRAL CREDIT UNION — $8,399 over 1y, 0.3% of budgetELECTRO SAVINGS CREDIT UNION — $8,000 over 1y, 0.1% of budgetSHOW ME CREDIT UNION — $7,100 over 1y, 0.5% of budgetVOLT CREDIT UNION — $5,395 over 1y, 0.1% of budgetHUTCHINSON POSTAL & COMMUNITY CREDIT UNION — $5,382 over 1y, 1.8% of budget
Go grantee by grantee — a decade per org, and how each moved after you funded them

A decade per grantee — revenue shaded, your grants as bars, all rows on one timeline.

Government reliance of your grantees

Every dot is one organization Heartland Credit Union Charitable Foundation Inc funds. Left–right is the share of its income from government; up–down is the share from you. Bigger dots raise more. Filter to federal or a single department — and drag the year to watch it move.

2024
’20’21’22’23’24’25
no gov · 00%1%3%6%10%your share of their income ↑0%23%45%68%90%share of the org’s income from government →
    no gov moneyreceives it· size = income
    0get no government money at all
    0rely on government for over half their income
    ⤢ axis zoomed · 0–90%
    typical government reliance, FY20–25

    Government income is each org’s traced federal awards (USASpending — grants and contracts) plus state payments (open checkbooks) as a share of its total revenue (IRS Form 990); the self-reported government-grant line (990 line 1e) is carried for cross-check: a grantee that reports government grants we could not trace to a source is left off the chart rather than shown as receiving none. An association, not a claim that your grant caused the public funding. Coverage is precision-first — a floor, not a census; state records exist for 9 states, so a grantee outside them shows no state figure (dimmed) rather than a false zero. Federal award amounts are obligations, which can span years, so a single-year share is indicative. 990 filings lag 12–24 months.

    On method. Every financial figure here is read directly from IRS e-file XML — your own 990/990-PF and the multi-year returns of the 23 grantees we resolved across every year we hold, several hundred filings in all (a different count from the grant rows on the cover, which are one fiscal year)— each linked to its source. Grantee achievements and outcomes are each organization’s own program-service reporting (Form 990, Part III); we read these as association with sustained funding — the foundation is one of several forces — suppress low-confidence name matches rather than guess, and say so where a figure rests on a single grant or filing. Not everything on this page is a filed figure, and the difference matters. Filed is what you reported on your return. Official is another government record about an organization, such as a federal award or a charity register, joined by name where no shared identifier exists. Resolved is an identity we worked out where the filing named a recipient without an EIN, kept only above a measured confidence threshold. Computed is arithmetic over those, like themes, portfolio clusters and co-funder strength. Context is a statistic about a place rather than about an organization, which is what the need overlay is: it describes the area a grantee’s address sits in, not where its work lands. Inferred is drawn by a model from text, like the partnerships read out of public news and organization websites. Each is labeled where it appears. How we build these →

    Generated from your IRS Form 990 e-file return for fiscal year 2022, released 2022. Filings run roughly 12–24 months behind; figures are dated accordingly.

    Source object · view filing

    More from the funding graph

    The unnamed billions
    grants reported with no recipient in the public record
    The regranting layer
    51% of grant dollars land in the regranting layer
    The DAF merry-go-round
    $9.7B circulates between donor-advised funds
    The camps
    funders cluster by geography, not ideology
    By state
    where grant money is based, and what stays home
    State money flows
    the interactive map of money crossing state lines