Heartland
Madison, WI · Charter 66710 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 13 branches
Q2 2026
$666.8MAssets
$462.7MLoans
$581.8MShares
$77.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 65% of credit unions under $1B in assets (rank 597 of 1682).
- Widest gap: net interest margin trails 71% of credit unions under $1B in assets (rank 1197 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.84%
Rank 749 of 1,683
Net Interest Margin
3.40%
Rank 1,197 of 1,683
Efficiency Ratio
78.89%
Rank 875 of 1,682
Equity / Assets
11.69%
Rank 1,044 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.84% | 0.35% | 0.74% | 1.18% | Beats 55% | 749 / 1,683 | | |
| Return on Equity | 7.16% | 2.67% | 5.89% | 8.74% | Beats 63% | 628 / 1,681 | | |
| Net Interest Margin | 3.40% | 3.31% | 3.82% | 4.32% | Beats 29% | 1,197 / 1,683 | | |
| Efficiency Ratio | 78.89% | 68.91% | 78.20% | 86.93% | Beats 48% | 875 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.42% | 0.26% | 0.65% | 1.29% | Beats 65% | 597 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.69% | 10.44% | 12.89% | 16.53% | Beats 38% | 1,044 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.69% | 10.44% | 12.89% | 16.53% | Beats 38% | 1,044 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.53% | 52.61% | 69.38% | 83.50% | 68th pctl | 532 / 1,683 | | |
| Loans / Assets | 69.40% | 44.71% | 59.18% | 70.72% | 72nd pctl | 467 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |