Heartland Credit Union
Total assets
$656.7M
▲ +5.0% YoY
Shares & deposits
$573.1M
▲ +4.4% YoY
Loans
$447.3M
▲ +0.1% YoY
Members
33,565
▲ +0.4% YoY
ROA (annualized)
0.69%
peers 0.62%
ROE (annualized)
5.98%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | Heartland Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +4.8% | +0.3 pts |
| Share growth (YoY) | +4.4% | +4.3% | +0.1 pts |
| Loan growth (YoY) | +0.1% | +4.3% | -4.3 pts |
| ROA | 0.69% | 0.62% | +0.1 pts |
| ROE | 6.0% | 5.9% | +0.1 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
Profile
- Established
- 1936
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 5325 High Crossing Blvd, Madison, WI, 53718
- NCUA charter #
- 66710
- RSSD ID
- 117896
- 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 | $656.7M | $573.1M | $447.3M | $76.3M | $1.1M | 0.69% | 3.40% | 0.28% | 33,565 |
| Q4 2025 | $635.9M | $553.8M | $447.9M | $75.2M | $6.1M | 0.96% | 3.52% | 0.47% | 33,515 |
| Q3 2025 | $629.2M | $548.5M | $450.9M | $73.4M | $4.4M | 0.92% | 3.53% | 0.39% | 33,483 |
| Q2 2025 | $631.4M | $553.3M | $447.2M | $71.9M | $2.7M | 0.84% | 3.45% | 0.35% | 33,411 |
| Q1 2025 | $625.3M | $549.0M | $447.0M | $70.1M | $883K | 0.56% | 3.40% | 0.46% | 33,427 |
| Q4 2024 | $614.2M | $539.0M | $447.3M | $69.2M | $4.6M | 0.76% | 3.48% | 0.53% | 32,580 |
| Q3 2024 | $606.9M | $533.3M | $451.4M | $67.7M | $3.1M | 0.69% | 3.48% | 0.66% | 34,210 |
| Q2 2024 | $616.8M | $541.4M | $456.3M | $66.8M | $2.0M | 0.66% | 3.38% | 0.56% | 34,247 |
Loan mix (Q1 2026): real estate $280.2M · commercial $60.0M · consumer $91.9M · securities $120.9M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Heartland Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.62% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 5.9% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.40% | 3.48% | 44th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.5% | 78.3% | 70th | |
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.
Similar credit unions
- Superior Choice Credit UnionSuperior, WI · $725.8M
- Kohler Credit UnionSheboygan, WI · $762.1M
- Blackhawk Community Credit UnionJanesville, WI · $931.7M
- Premier One Credit UnionSan Jose, CA · $656.4M
- Inova Federal Credit UnionElkhart, IN · $658.1M
- Wasatch Peaks Federal Credit UnionOgden, UT · $658.2M
Selling to Heartland Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.