BlastPoint's Credit Union Scorecard
HEARTLAND
Charter #62031 · KS
HEARTLAND has 6 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does KS stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 52.1% in tier
- + Organic Growth Engine: Top 70.7% in tier
- + ROA 0.37% above tier average
- + Net Interest Margin 0.70% above tier average
- + Total Loans: Top 3.0% in tier
- + Loan-to-Share Ratio: Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 23.3% in tier
- - Indirect Auto Dependency: Bottom 27.1% in tier
- - Delinquency rate 0.07% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
40,298
+1.7% YoY+0.8% QoQ
|
+1.7K |
38,575
-4.8% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
59% |
| Assets |
$689.7M
+7.1% YoY+2.4% QoQ
|
+$67.9M |
$621.7M
+0.1% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
76% |
| Loans |
$580.7M
+5.3% YoY+2.0% QoQ
|
+$150.9M |
$429.8M
-1.8% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
Top 3.6% in tier |
| Deposits |
$579.9M
+8.0% YoY+3.6% QoQ
|
+$41.2M |
$538.7M
+0.6% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
73% |
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| ROA |
1.0%
+319.7% YoY+13.5% QoQ
|
+0.4% |
0.7%
+42.9% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
79% |
| NIM |
4.1%
+8.3% YoY+0.4% QoQ
|
+0.7% |
3.4%
+8.0% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
Top 9.1% in tier |
| Efficiency Ratio |
68.0%
-7.3% YoY-5.9% QoQ
|
-9.5% |
77.5%
-4.1% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 12.1% in tier |
| Delinquency Rate |
0.9%
-31.6% YoY+22.2% QoQ
|
+0.1 |
0.8%
-1.1% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
100.1%
-2.5% YoY-1.5% QoQ
|
+20.3% |
79.8%
-2.3% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Top 6.1% in tier |
| AMR |
$28,802
+4.9% YoY+2.0% QoQ
|
+$2K |
$26,849
+2.7% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
70% |
| CD Concentration |
35.4%
-0.0% YoY+6.9% QoQ
|
+11.0% | 24.4% | 24.6% | 19.8% | Top 13.8% in tier |
| Indirect Auto % |
33.7%
-4.8% YoY-0.8% QoQ
|
+19.9% | 13.8% | 12.2% | 7.8% | Top 13.7% in tier |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)