Heartland
Springfield, IL · Charter 64441 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 3 branches
Q2 2026
$573.7MAssets
$390.0MLoans
$494.4MShares
$78.8MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 94% of credit unions under $1B in assets in IL (rank 4 of 50).
- Widest gap: net interest margin trails 64% of credit unions under $1B in assets in IL (rank 32 of 50).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.78%
Rank 6 of 50
Net Interest Margin
3.40%
Rank 32 of 50
Efficiency Ratio
56.25%
Rank 4 of 50
Equity / Assets
13.74%
Rank 22 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.78% | 0.49% | 0.97% | 1.35% | Beats 88% | 6 / 50 | |
| Return on Equity | 12.96% | 3.76% | 7.55% | 10.28% | Beats 90% | 5 / 50 | |
| Net Interest Margin | 3.40% | 3.15% | 3.72% | 4.20% | Beats 36% | 32 / 50 | |
| Efficiency Ratio | 56.25% | 67.18% | 75.90% | 80.66% | Beats 94% | 4 / 50 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.25% | 0.14% | 0.47% | 0.87% | Beats 70% | 16 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.74% | 10.68% | 13.50% | 16.38% | Beats 56% | 22 / 50 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.74% | 10.68% | 13.50% | 16.38% | Beats 56% | 22 / 50 | |
| Liquidity & Funding |
| Loans / Deposits | 78.88% | 55.23% | 70.87% | 80.60% | 70th pctl | 15 / 50 | |
| Loans / Assets | 67.98% | 43.53% | 60.64% | 68.47% | 70th pctl | 15 / 50 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |