PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Heartland

Madison, WI · Charter 66710

NCUA · 13 branches

Q2 2026

$666.8MAssets
$462.7MLoans
$581.8MShares
$77.9MNet 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 0.84%, down 1 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.42% of loans (+6 bps YoY).
  • Capital: net worth / assets of 11.69%, up 31 bps from a year ago.
  • Funding: loans stand at 79.53% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.84%-1 bps YoY

Net Interest Margin (quarter, annualized)

3.40%-5 bps YoY

Efficiency Ratio (quarter, annualized)

78.89%+261 bps YoY

Net Worth / Assets

11.69%+31 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.92%0.96%0.69%0.84%-1 bps
Return on Equity7.42%7.90%8.12%5.98%7.16%-25 bps
Net Interest Margin3.45%3.53%3.52%3.40%3.40%-5 bps
Efficiency Ratio76.28%75.32%74.39%82.55%78.89%+261 bps
Growth
Asset Growth (YoY)2.37%3.66%3.54%5.02%5.59%+322 bps
Loan Growth (YoY)-1.99%-0.12%0.13%0.06%3.47%+545 bps
Share Growth (YoY)2.21%2.84%2.75%4.40%5.14%+294 bps
Asset Quality
Delinquent Loans / Loans0.35%0.39%0.47%0.28%0.42%+6 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 Capital11.38%11.67%11.82%11.62%11.69%+31 bps
Net Worth / Assets11.38%11.67%11.82%11.62%11.69%+31 bps
Liquidity & Funding
Loans / Shares80.83%82.20%80.87%78.05%79.53%-129 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps