IOWA HEARTLAND
Charter #60718 · MASON CITY, IA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,350 ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.27% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.15% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.94% sits at the 90th percentile of structural peers — worth a closer look.
- Efficiency ratio of 65.95% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
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 | IOWA HEARTLAND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $31.17M | 64th pct | 54th pct |
| Members | 3,350 | 82th pct | 85th pct |
| Net worth ratio | 16.84% | 71th pct | 72th pct |
| Return on average assets | 1.26% | 78th pct | 69th pct |
| Net interest margin | 4.27% | 70th pct | 84th pct |
| Cost of funds | 0.15% | 10th pct | 11th pct |
| Loan-to-share | 46.08% | 30th pct | 39th pct |
| Delinquency 60+ days | 0.56% | 49th pct | 52th pct |
| Net charge-off ratio | 0.94% | 85th pct | 90th pct |
| Loan growth YoY | -20.73% | 0th pct | 0th pct |
| Share growth YoY | 8.71% | 93th pct | 90th pct |
| Efficiency ratio | 65.95% | 19th pct | 25th pct |
structural peer set hash: b748f945ecdd526a8566234aeb1d5446… (reproducible)
Closest structural peers
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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.