| Metric | Heartland Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.9% | +4.8% | +5.1 pts |
| Share growth (YoY) | +9.4% | +4.3% | +5.1 pts |
| Loan growth (YoY) | +4.7% | +4.3% | +0.4 pts |
| ROA | 1.53% | 0.62% | +0.9 pts |
| ROE | 11.6% | 5.9% | +5.7 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $574.6M | $497.0M | $381.2M | $75.9M | $2.2M | 1.53% | 3.32% | 0.18% | 35,517 |
| Q4 2025 | $554.8M | $479.3M | $378.6M | $73.9M | $9.6M | 1.74% | 3.36% | 0.22% | 35,257 |
| Q3 2025 | $534.2M | $460.6M | $385.2M | $71.8M | $7.5M | 1.88% | 3.46% | 0.21% | 35,403 |
| Q2 2025 | $528.5M | $457.5M | $377.5M | $69.2M | $5.0M | 1.89% | 3.43% | 0.18% | 35,038 |
| Q1 2025 | $523.0M | $454.3M | $364.0M | $66.7M | $2.5M | 1.91% | 3.37% | 0.17% | 34,546 |
| Q4 2024 | $499.8M | $434.6M | $352.1M | $64.4M | $7.8M | 1.56% | 3.24% | 0.21% | 33,953 |
| Q3 2024 | $483.3M | $419.4M | $345.5M | $62.2M | $5.7M | 1.56% | 3.29% | 0.17% | 33,515 |
| Q2 2024 | $477.3M | $414.7M | $343.9M | $60.2M | $3.7M | 1.53% | 3.23% |
| Ratio | Heartland Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 0.62% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 5.9% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.14% |
| 33,743 |
Loan mix (Q1 2026): real estate $39.5M · commercial $0 · consumer $335.8M · securities $73.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.4% | 78.3% | 7th |
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.