Heartland Credit Union
Total assets
$176.4M
▼ -2.7% YoY
Shares & deposits
$152.3M
▼ -4.1% YoY
Loans
$104.0M
▼ -2.4% YoY
Members
10,468
▼ -4.0% YoY
ROA (annualized)
0.17%
peers 0.69%
ROE (annualized)
1.77%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | Heartland Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +3.9% | -6.6 pts |
| Share growth (YoY) | -4.1% | +3.3% | -7.4 pts |
| Loan growth (YoY) | -2.4% | +2.9% | -5.3 pts |
| ROA | 0.17% | 0.69% | -0.5 pts |
| ROE | 1.8% | 5.9% | -4.2 pts |
ROA ranks in the 15th percentile of its peer group · Q1 2026
Profile
- Established
- 1939
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 5500 S Robert Trl, Inver Grove Hei, MN, 55077
- NCUA charter #
- 64168
- RSSD ID
- 382498
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $176.4M | $152.3M | $104.0M | $17.3M | $76K | 0.17% | 3.26% | 0.39% | 10,468 |
| Q4 2025 | $173.9M | $147.8M | $107.2M | $17.2M | $377K | 0.22% | 3.17% | 0.59% | 10,905 |
| Q3 2025 | $176.6M | $147.7M | $108.2M | $17.0M | $138K | 0.10% | 3.07% | 0.54% | 10,902 |
| Q2 2025 | $178.6M | $150.5M | $107.1M | $17.0M | $69K | 0.08% | 2.98% | 0.94% | 10,960 |
| Q1 2025 | $181.3M | $158.8M | $106.5M | $17.0M | $55K | 0.12% | 2.88% | 0.28% | 10,906 |
| Q4 2024 | $177.6M | $154.6M | $107.4M | $17.0M | $180K | 0.10% | 2.77% | 0.52% | 10,920 |
| Q3 2024 | $177.5M | $152.2M | $108.7M | $16.9M | $169K | 0.13% | 2.74% | 0.83% | 10,906 |
| Q2 2024 | $180.8M | $156.1M | $111.6M | $17.0M | $65K | 0.07% | 2.68% | 0.47% | 10,924 |
Loan mix (Q1 2026): real estate $58.4M · commercial $98K · consumer $41.8M · securities $51.2M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Heartland Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.17% | 0.69% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 5.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.62% | 29th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.4% | 78.7% | 84th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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