INDIANA HEARTLAND
Charter #24108 · KOKOMO, IN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 5,332 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.78% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.57% sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 2.73% sits at the 97th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.49% sits at the 92nd percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | INDIANA HEARTLAND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $49.05M | 99th pct | 75th pct |
| Members | 5,332 | 97th pct | 77th pct |
| Net worth ratio | 11.33% | 29th pct | 51th pct |
| Return on average assets | 1.78% | 91th pct | 90th pct |
| Net interest margin | 3.57% | 37th pct | 16th pct |
| Cost of funds | 2.73% | 97th pct | 97th pct |
| Loan-to-share | 80.85% | 85th pct | 69th pct |
| Delinquency 60+ days | 2.49% | 90th pct | 92th pct |
| Net charge-off ratio | 0.23% | 58th pct | 43th pct |
| Loan growth YoY | -1.60% | 57th pct | 38th pct |
| Share growth YoY | 7.02% | 86th pct | 79th pct |
| Efficiency ratio | 64.55% | 16th pct | 18th pct |
structural peer set hash: db604f12b3bc8408b60b61642aec1587… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.