| Metric | Heartland Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +4.8% | +3.5 pts |
| Share growth (YoY) | +7.9% | +4.3% | +3.6 pts |
| Loan growth (YoY) | +6.8% | +4.3% | +2.5 pts |
| ROA | 1.45% | 0.62% | +0.8 pts |
| ROE | 15.8% | 5.9% | +9.9 pts |
ROA ranks in the 89th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $708.6M | $609.2M | $590.5M | $64.9M | $2.6M | 1.45% | 4.31% | 0.78% | 40,642 |
| Q4 2025 | $689.7M | $579.9M | $580.7M | $62.3M | $7.0M | 1.02% | 4.09% | 0.91% | 40,298 |
| Q3 2025 | $673.6M | $559.9M | $569.3M | $59.8M | $4.6M | 0.90% | 4.10% | 0.75% | 39,989 |
| Q2 2025 | $666.9M | $552.1M | $564.6M | $58.5M | $2.8M | 0.83% | 4.04% | 0.80% | 39,706 |
| Q1 2025 | $654.4M | $564.6M | $552.9M | $56.7M | $1.0M | 0.61% | 3.98% | 1.02% | 39,695 |
| Q4 2024 | $643.8M | $537.0M | $551.5M | $56.2M | $1.6M | 0.25% | 3.84% | 1.33% | 39,635 |
| Q3 2024 | $647.5M | $557.7M | $539.6M | $55.8M | $1.2M | 0.24% | 3.74% | 1.72% | 40,098 |
| Q2 2024 | $638.9M | $542.1M | $539.2M | $56.5M | $1.4M | 0.45% | 3.64% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Heartland Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 0.62% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 15.8% | 5.9% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.26% |
| 39,714 |
Loan mix (Q1 2026): real estate $219.1M · commercial $76.4M · consumer $279.1M · securities $4.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.1% | 78.3% | 11th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Heartland Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Heartland Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Heartland Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Heartland Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.