HEARTLAND
Charter #64441 · Springfield, IL · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.56% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.86% sits at the 79th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.18% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.27% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 59.42% ranks in the 13th 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 | HEARTLAND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $574.58M | 20th pct | 74th pct |
| Members | 35,517 | 33th pct | 62th pct |
| Net worth ratio | 13.22% | 83th pct | 52th pct |
| Return on average assets | 1.56% | 92th pct | 77th pct |
| Net interest margin | 3.38% | 40th pct | 31th pct |
| Cost of funds | 1.86% | 77th pct | 79th pct |
| Loan-to-share | 76.70% | 35th pct | 46th pct |
| Delinquency 60+ days | 0.18% | 9th pct | 13th pct |
| Net charge-off ratio | 0.27% | 33th pct | 18th pct |
| Loan growth YoY | -1.04% | 27th pct | 26th pct |
| Share growth YoY | 7.91% | 91th pct | 89th pct |
| Efficiency ratio | 59.42% | 7th pct | 13th pct |
structural peer set hash: 621e13122f17eb51a2e2cd5d9e0bd40d… (reproducible)
Closest structural peers
This is the free public view
Claim HEARTLAND
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.