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 37.6% in tier
- + ROA 0.76% above tier average
- + Net Interest Margin 0.84% above tier average
- + Total Loans: Top 3.0% in tier
- + Loan-to-Share Ratio: Top 5.4% in tier
- + Efficiency Ratio: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 3.7% in tier
- - Indirect Auto Dependency: Bottom 17.3% in tier
- - Delinquency rate 0.08% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
40,642
+2.4% YoY+0.9% QoQ
|
+2.6K |
38,079
-4.8% YoY
|
12,306
-36.1% YoY
|
33,913
+5.7% YoY
|
62% |
| Assets |
$708.6M
+8.3% YoY+2.7% QoQ
|
+$88.9M |
$619.7M
-0.2% YoY
|
$170.3M
-37.4% YoY
|
$578.3M
+9.0% YoY
|
83% |
| Loans |
$590.5M
+6.8% YoY+1.7% QoQ
|
+$171.1M |
$419.3M
-1.4% YoY
|
$121.5M
-36.6% YoY
|
$402.4M
+8.7% YoY
|
Top 3.6% in tier |
| Deposits |
$609.2M
+7.9% YoY+5.0% QoQ
|
+$69.7M |
$539.5M
-0.1% YoY
|
$144.0M
-38.1% YoY
|
$494.3M
+9.1% YoY
|
81% |
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| ROA |
1.4%
+134.5% YoY+40.3% QoQ
|
+0.8% |
0.7%
+36.0% YoY
|
0.6%
+30.6% YoY
|
0.4%
-39.2% YoY
|
Top 11.4% in tier |
| NIM |
4.3%
+7.5% YoY+4.0% QoQ
|
+0.8% |
3.5%
+4.5% YoY
|
4.0%
+4.6% YoY
|
3.8%
+4.1% YoY
|
Top 7.8% in tier |
| Efficiency Ratio |
63.1%
-21.2% YoY-7.2% QoQ
|
-15.3% |
78.4%
-3.7% YoY
|
78.0%
-2.8% YoY
|
84.6%
+2.8% YoY
|
Top 7.8% in tier |
| Delinquency Rate |
0.8%
-22.8% YoY-14.1% QoQ
|
+0.1 |
0.7%
-0.9% YoY
|
1.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
62% |
| Loan To Share |
96.9%
-1.0% YoY-3.2% QoQ
|
+19.2% |
77.7%
-1.2% YoY
|
69.9%
-0.4% YoY
|
65.6%
-1.4% YoY
|
Top 6.0% in tier |
| AMR |
$29,518
+4.9% YoY+2.5% QoQ
|
+$3K |
$26,927
+3.1% YoY
|
$16,649
+0.9% YoY
|
$19,920
+1.6% YoY
|
71% |
| CD Concentration |
34.6%
+4.0% YoY-2.3% QoQ
|
+10.4% | 24.3% | 24.3% | 19.8% | 84% |
| Indirect Auto % |
34.6%
-0.8% YoY+2.7% QoQ
|
+20.8% | 13.8% | 12.2% | 7.7% | Bottom 12.6% 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)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)