BlastPoint's Credit Union Scorecard
HEARTLAND
Charter #62031 · KS
HEARTLAND has 5 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 39.3% 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 3.4% in tier
- - Indirect Auto Dependency: Bottom 30.0% 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
|
Top 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% | Bottom 13.7% in tier |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
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)