Heartland

HUTCHINSON, KS · 2 · Charter #62031 · www.hcu.coop
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
$689.7M
77th percentile
Members
40,298
75th percentile
Total loans
$580.7M
88th percentile
Total shares
$566.4M
76th percentile

Profitability

Return on assets
1.49%
81th percentile
Net interest margin
4.09%
85th percentile
Efficiency ratio
50.52%
79th percentile
Non-interest income ratio
17.88%
43th percentile

Capital & Risk

Net worth ratio
9.03%
17th percentile
Delinquency rate
0.91%
33th percentile
Net charge-off rate
0.82%
17th percentile
Loan-to-share
102.53%
93th percentile

Growth

Member growth YoY
1.67%
63th percentile
Asset growth YoY
7.13%
67th percentile
Loan growth YoY
5.29%
56th percentile
Share growth YoY
8.48%
82th percentile

Operations

Members / branch
4,030
38th percentile
Assets / member
$17,114
58th percentile
Field of membership penetration
1.61%
23th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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