Heartland

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

$635.9M

72^th percentile

Members

33,515

62^th percentile

Total loans

$447.9M

74^th percentile

Total shares

$553.8M

75^th percentile

Profitability

Return on assets

1.14%

62^th percentile

Net interest margin

3.52%

55^th percentile

Efficiency ratio

59.23%

49^th percentile

Non-interest income ratio

16.73%

35^th percentile

Capital & Risk

Net worth ratio

11.82%

64^th percentile

Delinquency rate

0.47%

73^th percentile

Net charge-off rate

0.20%

77^th percentile

Loan-to-share

80.87%

52^th percentile

Growth

Member growth YoY

2.87%

76^th percentile

Asset growth YoY

3.54%

38^th percentile

Loan growth YoY

0.13%

27^th percentile

Share growth YoY

2.75%

34^th percentile

Operations

Members / branch

2,578

9^th percentile

Assets / member

$18,973

71^th percentile

Field of membership penetration

1.69%

24^th percentile

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