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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.43% | 0.35% | 0.74% | 1.18% | Beats 98% | 35 / 1,683 | | |
| Return on Equity | 24.78% | 2.67% | 5.89% | 8.74% | Beats 100% | 6 / 1,681 | | |
| Net Interest Margin | 4.84% | 3.31% | 3.82% | 4.32% | Beats 89% | 189 / 1,683 | | |
| Efficiency Ratio | 54.61% | 68.91% | 78.20% | 86.93% | Beats 93% | 113 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.20% | 0.26% | 0.65% | 1.29% | Beats 27% | 1,231 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.79% | 10.44% | 12.89% | 16.53% | Beats 18% | 1,377 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.79% | 10.44% | 12.89% | 16.53% | Beats 18% | 1,377 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 102.03% | 52.61% | 69.38% | 83.50% | 97th pctl | 45 / 1,683 | | |
| Loans / Assets | 84.10% | 44.71% | 59.18% | 70.72% | 97th pctl | 58 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |