Heartland

Inver Grove Hei, MN · 2 · Charter #64168 · www.heartlandcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$173.9M
81th percentile
Members
10,905
73th percentile
Total loans
$107.2M
79th percentile
Total shares
$147.8M
80th percentile

Profitability

Return on assets
0.33%
10th percentile
Net interest margin
3.17%
24th percentile
Efficiency ratio
65.49%
41th percentile
Non-interest income ratio
20.74%
67th percentile

Capital & Risk

Net worth ratio
9.89%
22th percentile
Delinquency rate
0.59%
58th percentile
Net charge-off rate
0.45%
37th percentile
Loan-to-share
72.55%
58th percentile

Growth

Member growth YoY
-0.14%
56th percentile
Asset growth YoY
-2.07%
10th percentile
Loan growth YoY
-0.21%
41th percentile
Share growth YoY
-4.45%
5th percentile

Operations

Members / branch
2,726
40th percentile
Assets / member
$15,951
62th percentile
Field of membership penetration
0.32%
3th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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