BlastPoint's Credit Union Scorecard
HEARTLAND
Charter #62031 · KS
HEARTLAND has 5 strengths but faces 2 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 68.0% in tier
- + ROA 0.25% above tier average
- + Net Interest Margin 0.70% above tier average
- + Loan-to-Share Ratio: Top 4.7% in tier
- + Total Loans: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 7.1% in tier
- - Indirect Auto Dependency: Bottom 10.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
39,989
-0.3% YoY+0.7% QoQ
|
+236 |
39,752
-2.7% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
56% |
| Assets |
$673.6M
+4.0% YoY+1.0% QoQ
|
+$51.2M |
$622.4M
+0.3% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
70% |
| Loans |
$569.3M
+5.5% YoY+0.8% QoQ
|
+$133.3M |
$435.9M
-0.4% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
Top 7.7% in tier |
| Deposits |
$559.9M
+0.4% YoY+1.4% QoQ
|
+$21.8M |
$538.0M
+1.3% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
65% |
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| ROA |
0.9%
+272.4% YoY+8.4% QoQ
|
+0.2% |
0.7%
+33.9% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
70% |
| NIM |
4.1%
+9.5% YoY+1.1% QoQ
|
+0.7% |
3.4%
+8.6% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
Top 9.5% in tier |
| Efficiency Ratio |
72.3%
-5.2% YoY-1.3% QoQ
|
-5.8% |
78.1%
-3.4% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
23% |
| Delinquency Rate |
0.7%
-56.7% YoY-6.7% QoQ
|
-0.1 |
0.8%
-4.9% YoY
|
1.2%
-23.8% YoY
|
1.2%
-0.9% YoY
|
57% |
| Loan To Share |
101.7%
+5.1% YoY-0.6% QoQ
|
+20.7% |
81.0%
-1.8% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
Top 5.3% in tier |
| AMR |
$28,236
+3.2% YoY+0.4% QoQ
|
+$2K |
$26,482
+2.6% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
69% |
| CD Concentration |
33.2%
-2.6% YoY-0.4% QoQ
|
+8.8% |
24.4%
+4.2% YoY
|
24.2%
-2.2% YoY
|
19.6%
+6.2% YoY
|
80% |
| Indirect Auto % |
34.0%
-7.7% YoY-1.1% QoQ
|
+20.0% |
14.0%
-5.7% YoY
|
12.4%
-5.6% YoY
|
7.9%
-2.9% YoY
|
Top 13.6% 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)
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)