IMPACT REPORT

Above: Holy Rosary Credit Union opens a part-time branch in a low-income community to combat predatory lenders by partnering with local and national housing leaders.

Mission: To invest in and through credit unions to enhance their ability to serve their members and their community.

 Vision: To be the standard of excellence in philanthropy,

empowering credit unions to improve people’s lives.

 From the Chairman: The Heartland Credit Union Charitable Foundation (HCUCF) is evolving to serve the needs of Missouri and Kansas credit unions through capacity building grants and scholarships as well as community development initiatives. The Foundation is a catalyst for the credit union movement, investing in credit unions and their programs that change lives and transform communities. On the following pages you will see a snapshot of our impact across the region in 2017. Thank you to the credit unions, organizations, and individuals that supported HCUCF in 2017. Your support helped us achieve our mission. I hope you will join me in continuing to support HCUCF as it deepens and expands its investment in the credit union industry in 2018.

James Nastars, CEO, Meritrust Credit UnionHCUCF Chairman 

James Nastars, ChairmanMeritrust Credit Union

Randy Yeck, Vice ChairmanRetired, Vantage Credit Union

Rick Nichols, Secretary/TreasurerRiver Region Credit Union

Brad Douglas, PresidentHeartland Credit Union Association

Chuck Bullock, DirectorQuantum Credit Union

Gina Evans, DirectorCredit Union of America

Brandon Michaels, DirectorMazuma Credit Union

Susie Venable, DirectorRetired, St. Luke’s Credit Union

Greg Winkler, DirectorAzura Credit Union

StaffAndrea Robinson, Executive Director

Heartland Credit Union Charitable Foundationarobinson@heartlandcua.org, 800.392.3074, x1316

Board of Directors

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Grants Review CommitteeBrandon Michaels, Chair

Mazuma Credit Union

Don CohenourRetired, Heartland Credit Union

Association

 Gina EvansCredit Union of America

LaRae KraemerK–State Credit Union

 Rick NicholsRiver Region Credit Union

Mike PatrickRetired, CommunityAmerica

Credit Union

Michelle Rosner1st Financial Federal Credit Union

Greg WinklerAzura Credit Union

Above: Nine credit unions in the Ozarks held their 21st annual golf tournament to benefit two local charities, impacting victims of domestic

violence and providing financial assistance to low-income families.2

2017 GRANT AND SCHOLARSHIP RECIPIENTSCredit Union

Professional Development Scholarship

Small Credit Union Assistance Grant

CommunityDevelopment Grant

Disaster Relief

American Eagle Credit Union Foundation $2,500 Ark Valley Credit Union $1,548 Bell Credit Union $225 Campus Credit Union $5,000 Catholics United Credit Union $2,500 Central Kansas Education Credit Union $281 $1,213 Central MO Community Credit Union $750 $3,000 $5,000 Columbia Credit Union $2,874 CommunityAmerica Credit Union Foundation $2,500 Community Financial Credit Union $750 Crossroads Credit Union $175 CSD Credit Union $468 Division 10 Highway Employees’ Credit Union $181 $5,000 Educational Community Credit Union $1,800 Ellis Credit Union $4,275 Emporia State Federal Credit Union $2,500 EquiShare Credit Union $2,200 Farmway Credit Union $202 First Missouri Credit Union $5,000 Freedom 1st Credit Union $4,144 HGE Credit Union $1,375 Highway Alliance Credit Union $675 $3,000 Holy Rosary Credit Union $423 $10,000 KC Fairfax Federal Credit Union $100 KS Blue Cross Blue Shield Credit Union $299 Members 1st Credit Union $830 Metro Credit Union $750 Mid American Credit Union $1,000 Mid-Kansas Credit Union $724 Missouri Central Credit Union $499 Morton Credit Union $3,500 National Credit Union Foundation - CU Aid $6,000 Northland Teachers Credit Union $100 Northwest MO Regional Credit Union $175 Ozark Federal Credit Union $500 $5,000 $1,000 Reliance Credit Union $199 River Cities Community Credit Union $100 $500 Riverways Federal Credit Union $750 Salina Interparochial Credit Union $150 Show Me Credit Union $1,500 South Central Missouri Credit Union $1,000 Southeast Missouri Community Credit Union $149 St. Louis Community Credit Union $1,500 St. Louis Firefighters and Community Credit Union $6,550 Sunflower UP Federal Credit Union $447 TelComm Credit Union $5,000 United Credit Union (KS) $550 United Labor Credit Union $2,500 United Northwest Federal Credit Union $468 $5,000 Vantage Credit Union $1,534 Wheat State Credit Union $1,224 3

“About half-way through the CUlead program I felt a broadening of my horizons. I have a new perspective on how to approach challenges and a better understanding of the inner working of credit unions. The Foundation scholarship ensured I was able to be a part of this amazing leadership development program”

—Amanda Meller, (pictured left), 2017 CUlead graduate from Wheat State Credit Union received a scholarship to attend the CUlead program. Pictured right, Jennifer Keim, 2017 CUlead graduate from Meritrust Credit Union.

HCUCF invests in capacity-building programs for credit unions under $100M in assets.

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St. Louis Firefighters and Community Credit Union received a grant to help purchase a new server to support new products and services for their members.

Professional Development - HCUCF invested $19,590 in 60 scholarships for credit union professionals.

Small Credit Union Assistance Grants totaled $49,482 to build infrastructure and facilitate growth.

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St Louis area credit unions host financial reality fairs with high school students in partnership with the University of Missouri - St. Louis.

HCUCF supports community development initiatives for credit unions of all sizes.

United Credit Union in Ness City, KS held a chili cook-off for a young child battling leukemia, raising more than $3,500 to assist the family with travel and treatment expenses.

South Central Missouri Credit Union sustained extensive damage during the flooding in the spring of 2017. HCUCF mobilized emergency funds to support this and other credit unions affected by the flood. 5

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2017 FINANCIAL OVERVIEW

*The HCUCF Board strategically decided to invest agressively in our new grants and scholarship programs this year, as well as new events and programs that required additional funding. The negative balance was funded with Foundation reserves.For full financials, audits, 990s or any other financial information, please visit www.hcucf.org or contact Andrea Robinson, arobinson@heartlandcua.org.

Investment Income and Other $3,242 2%

Fundraising $1,641 1%

Business and Marketing $8,201 5%

Community Development Grants $42,084 26%

Disaster Relief $8,000 5%

Event Expenses $32,959 20%

Professional Development Scholarships $19,591 12%

Small Credit Union Assistance Grants $49,482 31%

Corporate Sponsors $33,100 22%Events $68,140 45%

Individual Donors` $24,944 17%

Credit Union Donations $20,629 14%

EXPENSES$161,958*

INCOME$150,055

NET INCOME: $(11,903)

Thanks to these donors and sponsors, HCUCF raised

to invest in and through credit unions to enhance their ability to serve their members and their community!

$19,340 and up

$10,000 - $19,339

$5,000 - $9,999

$2,500 - $4,999

Azura Credit Union

Central Missouri Community Credit Union

Federal Protection, Inc

Heartland Business Services

Meritrust Credit UnionMissouri Credit Union

OneDigitalRoute66 Extended Warranty

Vantage Credit Union

Shared Financial Solutions

The Kusnetzky Family

7For a full list of donors and sponsors, please visit www.hcucf.org.

Above: The family of Leon G. Kusnetzky presents a check for $10,000 to HCUCF Chairman, James Nastars, at the Foundation Bash on October 6, 2017. This contribution represented a challenge gift to match funds raised in 2017 which were designated for this special fund. The Leon G. Kusnetzky Family Fund supports small credit unions through professional development scholarships and small credit union assistance grants, continuing Leon’s legacy.

The Leon G. Kusnetzky Family Fund for Small Credit Unions makes a major impact on the credit union movement.

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Thanks to the Foundation Bash Committee:Gina Evans, Chair

Credit Union of America

Don CohenourRetired, Heartland Credit Union

Association

 Heather DeMintUnited Credit Union

Circe GleesonMillennium Corporate Credit Union

 Jennifer Keim Meritrust Credit Union

Amanda MellerWheat State Credit Union

Lilia RochelMillennium

Corporate Credit Union

Rebecca Williford Mainstreet Credit Union

Greg WinklerAzura Credit Union

Susie VenableRetired, St. Luke’s Credit Union

INAUGURAL FOUNDATION BASH hosted a sold out crowd and raised

for grants and scholarships!

presented by

SAVE THE DATE! Foundation Bash, September 13, 2018 at the Midland Theater in downtown Kansas City! 9

For more ways to get involved or to develop a workplace giving campaign for your organization, contact Andrea Robinson, arobinson@heartlandcua.org.

Above: Central Missouri Community Credit Union shows their team spirit and their toes to raise more than $1,500 for HCUCF.

Credit unions support HCUCF.

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Outdoor enthusiasts participated in the Pheasant Classic near Jefferson City, MO and raised more than $3,500 for HCUCF.

Flip Flop Fridays proved to be a festive affair for several credit unions who contributed to HCUCF as an employee giving campaign.

17th Annual Pheasant Classic gave credit union executives an opportunity to sharpen their skills for a good cause.

$500 - $999John BeverlinSteve CarrCU Community Credit UnionRyan DoldEmployment Security Credit UnionEnvista Credit UnionEquiShare Credit UnionFarmway Credit UnionFederico ConsultingFrontier Community Credit UnionJ. Tenbrink & Associates

Mazuma Credit UnionMcPherson CO-OP Credit UnionMid American Credit UnionQuantum Credit UnionLeah ReddingReliable Lender ServicesRiver Region Credit UnionUnited Credit Union (MO)United Labor Credit UnionWichita Federal Credit Union

$1,000 - $2,499Allied Solutions, Inc.Anheuser-Busch Employees’ Credit UnionBFB GallagherDon and Sheila CohenourCredit Union of AmericaCU DirectCU RecoveryHaley DaVeeBrad Douglas

First Missouri Credit UnionStephanie GreenwoodDon and Molly HomanLSCMainstreet Credit UnionMetro Credit UnionDennis and Lisa PierceAndrea RobinsonUnited Consumers Credit Union

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“We are so very thankful for the support of the Foundation. Without the financial assistance & amazing staff of the Foundation, we would struggle to afford to participate in all the essential training that effect our daily operations. Furthermore, I would highly recommend the CUlead program for management development. Thank you for supporting us small credit unions, you are instrumental in our success!”

—Jennifer Heath, Columbia Credit Union 

THANKS TO OUR DONORS!

$250 - $499Ron BaronCeriotti & Company, IncBrian EyestoneTana HoffmanHoly Rosary Credit UnionJohn M. Floyd & AssociatesK-State Credit UnionBev McConaugheyPaul MeissnerMissouri Central Credit Union

Ozark Federal Credit UnionRiver Cities Community Credit UnionBob SchuckmannBarb StanekKeith SteinhoffThe Baker GroupWheat State Credit UnionGreg WinklerMichael Winter

Continued next page

Thank you for your support of the Community Investment Fund:

Central Missouri Community Credit UnionElectro Savings Credit Union

Heartland Credit Union AssociationMazuma Credit Union

Members 1st Credit UnionMillennium Corporate Credit Union

Ozark Federal Credit UnionRiver Region Credit Union

Rolla Credit Union

For more information about the Community Investment Fund visit www.ncuf.coop/cif

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$100 – 249Sharon AllbaughArk Valley Credit UnionAssemblies of God Credit UnionKaren BakerDeborah G. BaronMartin BassPatricia BehnenRandy BlueSheila BoweringBridget BowlesBurlington Northtown

Community Credit UnionCentury Credit UnionColumbia Credit UnionConservation Employees

Credit UnionCredit Union Lending SystemsCredit Union of EmporiaCrossroads Credit UnionDennis and Anne DeGroodt

Division 10 Highway Employees’ Credit Union

Susan DyerGina EvansFirst Community Credit UnionGreat American Insurance GroupBill HauberMelissa HendrixHorizon Credit UnionJim HoltJean HughesKansas Teachers

Community Credit UnionTom KusnetzkyBob MayesAmy McLardMemberClose/Members

Insurance AgencyMidwest Regional Credit UnionRon MillerMissouri Central Credit Union

Stephanie MullhollandJames NastarsNeighbors Credit UnionQuantum Credit UnionReliance Credit UnionChuck RentschlerPete ShemetulskisNoel ShullSkyward Credit UnionDave TateTopeka Post Office Credit UnionValueCheckDuane Van CampLynn WalkerRandy and Marilyn WellsWest Community Credit UnionCarol WhiteCarole WightLee WilliamsRandy Yeck

For a full list of all donors, please visit www.hcucf.org. If there is any error or omission in the list above, please accept our sincerest apologies and contact arobinson@heartlandcua.org.

REGISTER NOW for HCUA Events and Programs: heartlandcua.org/events/calendar

Join current and retired credit union leaders at the Inaugural

May 6 –8 at Old Kinderhook Golf Resort / Register by April 1 at hcucf.org/golf

GET INVOLVED WITH YOUR FOUNDATION!

www.hcucf.orgEIN: 43-1896922

To apply for a grant or scholarship visithcucf.org/apply

To donate, or sponsor an event visit

hcucf.org/waystogive

To volunteer, learn more about workplace giving, or any other questions, please contact: Andrea Robinson, Executive Director

arobinson@heartlandcua.org, 800.392.3074, x1316