HEARTLAND
Charter #64168 · Inver Grove Hei, MN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 10,468 sits at the 15th percentile of structural peers — worth a closer look.
- Return on average assets of 0.17% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 3.29% sits at the 13th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.24% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 89.38% 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 | $176.40M | 42th pct | 30th pct |
| Members | 10,468 | 35th pct | 15th pct |
| Net worth ratio | 9.78% | 25th pct | 38th pct |
| Return on average assets | 0.17% | 15th pct | 23th pct |
| Net interest margin | 3.29% | 28th pct | 13th pct |
| Cost of funds | 0.69% | 26th pct | 28th pct |
| Loan-to-share | 68.25% | 42th pct | 46th pct |
| Delinquency 60+ days | 0.39% | 30th pct | 26th pct |
| Net charge-off ratio | 0.24% | 36th pct | 21th pct |
| Loan growth YoY | -3.88% | 11th pct | 11th pct |
| Share growth YoY | 3.14% | 45th pct | 48th pct |
| Efficiency ratio | 89.38% | 84th pct | 79th pct |
structural peer set hash: 62496eea6a9fe015789b0b19733cfd7d… (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.