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Heartland

Hutchinson, KS · Charter 62031

NCUA · 11 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

18

Q2 2024Q2 2026peer median (50)

Asset Quality

27

Q2 2024Q2 2026peer median (50)

Profitability

96

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

93

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Heartland

Hutchinson, KS · Charter 62031

NCUA · 11 branches

Q2 2026

$726.4MAssets
$610.9MLoans
$598.8MShares
$71.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.43%, up 160 bps year over year; NIM at 4.84%.
  • Asset quality: problem loans at 1.20% of loans (+40 bps YoY).
  • Capital: net worth / assets of 9.79%, up 102 bps from a year ago.
  • Funding: loans stand at 102.03% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.43%+160 bps YoY

Net Interest Margin (YTD, annualized)

4.84%+80 bps YoY

Efficiency Ratio (YTD, annualized)

54.61%-1,863 bps YoY

Net Worth / Assets

9.79%+102 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.90%1.02%1.45%2.43%+160 bps
Return on Equity9.47%10.18%11.29%15.81%24.78%+1,531 bps
Net Interest Margin4.04%4.10%4.09%4.31%4.84%+80 bps
Efficiency Ratio73.24%72.29%68.01%63.11%54.61%-1,863 bps
Growth
Asset Growth (YoY)4.39%4.02%7.13%8.29%8.92%+453 bps
Loan Growth (YoY)4.70%5.49%5.29%6.80%8.20%+350 bps
Share Growth (YoY)1.85%0.39%7.99%7.91%8.44%+660 bps
Asset Quality
Delinquent Loans / Loans0.80%0.75%0.91%0.78%1.20%+40 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.77%8.89%9.03%9.16%9.79%+102 bps
Net Worth / Assets8.77%8.89%9.03%9.16%9.79%+102 bps
Liquidity & Funding
Loans / Shares102.25%101.68%100.13%96.92%102.03%-22 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Heartland

Hutchinson, KS · Charter 62031 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 11 branches

Q2 2026

$726.4MAssets
$610.9MLoans
$598.8MShares
$71.1MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 100% of credit unions under $1B in assets (rank 6 of 1681).
  • Widest gap: equity / assets trails 82% of credit unions under $1B in assets (rank 1377 of 1683).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

2.43%

Rank 35 of 1,683

Net Interest Margin

4.84%

Rank 189 of 1,683

Efficiency Ratio

54.61%

Rank 113 of 1,682

Equity / Assets

9.79%

Rank 1,377 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.43%0.35%0.74%1.18%Beats 98%35 / 1,683
Return on Equity24.78%2.67%5.89%8.74%Beats 100%6 / 1,681
Net Interest Margin4.84%3.31%3.82%4.32%Beats 89%189 / 1,683
Efficiency Ratio54.61%68.91%78.20%86.93%Beats 93%113 / 1,682
Asset Quality
Nonperforming Loans / Loans1.20%0.26%0.65%1.29%Beats 27%1,231 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.79%10.44%12.89%16.53%Beats 18%1,377 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.79%10.44%12.89%16.53%Beats 18%1,377 / 1,683
Liquidity & Funding
Loans / Deposits102.03%52.61%69.38%83.50%97th pctl45 / 1,683
Loans / Assets84.10%44.71%59.18%70.72%97th pctl58 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution