PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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