HEARTLAND
Charter #62031 · HUTCHINSON, KS · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 40,642 sits at the 16th percentile of structural peers — worth a closer look.
- Net worth ratio of 9.15% sits at the 20th percentile of structural peers — worth a closer look.
- Return on average assets of 1.47% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.37% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.14% sits at the 79th 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 | HEARTLAND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $708.60M | 49th pct | 23th pct |
| Members | 40,642 | 48th pct | 16th pct |
| Net worth ratio | 9.15% | 21th pct | 20th pct |
| Return on average assets | 1.47% | 90th pct | 92th pct |
| Net interest margin | 4.37% | 94th pct | 87th pct |
| Cost of funds | 2.14% | 87th pct | 79th pct |
| Loan-to-share | 96.92% | 93th pct | 72th pct |
| Delinquency 60+ days | 0.78% | 65th pct | 69th pct |
| Net charge-off ratio | 0.46% | 52th pct | 46th pct |
| Loan growth YoY | 3.72% | 80th pct | 56th pct |
| Share growth YoY | 8.81% | 94th pct | 90th pct |
| Efficiency ratio | 63.11% | 11th pct | 3th pct |
structural peer set hash: d590ec82a476c758ebbb1789cb336099… (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.