Heartland

Springfield, IL · 2 · Charter #64441 · www.hcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$554.8M
64th percentile
Members
35,257
65th percentile
Total loans
$378.6M
65th percentile
Total shares
$479.3M
64th percentile

Profitability

Return on assets
1.93%
94th percentile
Net interest margin
3.36%
42th percentile
Efficiency ratio
40.79%
95th percentile
Non-interest income ratio
17.08%
37th percentile

Capital & Risk

Net worth ratio
13.31%
79th percentile
Delinquency rate
0.22%
92th percentile
Net charge-off rate
0.22%
75th percentile
Loan-to-share
78.99%
45th percentile

Growth

Member growth YoY
3.84%
83th percentile
Asset growth YoY
11.00%
89th percentile
Loan growth YoY
7.51%
68th percentile
Share growth YoY
10.30%
89th percentile

Operations

Members / branch
11,752
96th percentile
Assets / member
$15,737
47th percentile
Field of membership penetration
3.77%
47th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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