HEARTLAND
Charter #66710 · Madison, WI · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.28% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.10% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 40th percentile but its structural peers at the 23rd — a 17-point gap showing why the peer definition matters.
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 | $656.72M | 38th pct | 38th pct |
| Members | 33,565 | 26th pct | 28th pct |
| Net worth ratio | 11.61% | 68th pct | 67th pct |
| Return on average assets | 0.71% | 56th pct | 59th pct |
| Net interest margin | 3.45% | 45th pct | 59th pct |
| Cost of funds | 1.22% | 33th pct | 26th pct |
| Loan-to-share | 78.05% | 40th pct | 23th pct |
| Delinquency 60+ days | 0.28% | 20th pct | 20th pct |
| Net charge-off ratio | 0.10% | 12th pct | 11th pct |
| Loan growth YoY | -0.79% | 29th pct | 16th pct |
| Share growth YoY | 4.49% | 58th pct | 56th pct |
| Efficiency ratio | 82.55% | 70th pct | 66th pct |
structural peer set hash: b9901c63a679d32157a702607ec51d26… (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.