Iowa Heartland

MASON CITY, IA · 2 · Charter #60718 · WWW.IOWAHEARTLAND.ORG
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$30.8M
78th percentile
Members
3,396
89th percentile
Total loans
$12.3M
72th percentile
Total shares
$24.0M
75th percentile

Profitability

Return on assets
1.98%
90th percentile
Net interest margin
5.03%
83th percentile
Efficiency ratio
59.34%
66th percentile
Non-interest income ratio
4.79%
33th percentile

Capital & Risk

Net worth ratio
16.94%
61th percentile
Delinquency rate
0.88%
45th percentile
Net charge-off rate
-0.01%
92th percentile
Loan-to-share
51.32%
36th percentile

Growth

Member growth YoY
5.11%
94th percentile
Asset growth YoY
9.88%
92th percentile
Loan growth YoY
-17.63%
9th percentile
Share growth YoY
4.28%
71th percentile

Operations

Members / branch
3,396
94th percentile
Assets / member
$9,059
48th percentile
Field of membership penetration
2.53%
12th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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