BlastPoint's Credit Union Scorecard
HEARTLAND
Charter #64168 · MN
HEARTLAND faces 6 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 0.3% in tier
- - Shrinking Wallet Share: Bottom 15.9% in tier
- - Deposit Outflow: Bottom 57.5% in tier
- - ROA 0.68% below tier average
- - Efficiency ratio 11.35% above tier (higher cost structure)
- - Deposit Growth Rate: Bottom 6.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,902
-0.0% YoY-0.5% QoQ
|
-4.7K |
15,628
-3.4% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
35% |
| Assets |
$176.6M
-0.5% YoY-1.1% QoQ
|
$-54.7M |
$231.3M
-0.0% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
42% |
| Loans |
$108.2M
-0.5% YoY+1.0% QoQ
|
$-39.6M |
$147.8M
-1.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
40% |
| Deposits |
$147.7M
-2.9% YoY-1.9% QoQ
|
$-52.6M |
$200.3M
-0.0% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
40% |
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| ROA |
0.1%
-17.2% YoY+35.7% QoQ
|
-0.7% |
0.8%
+15.5% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
Bottom 9.7% in tier |
| NIM |
3.1%
+12.5% YoY+3.3% QoQ
|
-0.5% |
3.6%
+6.9% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
21% |
| Efficiency Ratio |
88.6%
-3.4% YoY-1.6% QoQ
|
+11.4% |
77.3%
-3.0% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Top 12.4% in tier |
| Delinquency Rate |
0.5%
-34.9% YoY-42.8% QoQ
|
-0.3 |
0.9%
+7.6% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
40% |
| Loan To Share |
73.2%
+2.5% YoY+2.9% QoQ
|
+0.5% |
72.7%
-1.5% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
48% |
| AMR |
$23,468
-1.9% YoY-0.2% QoQ
|
$-895 |
$24,363
+2.9% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
56% |
| CD Concentration |
17.7%
-26.0% YoY-17.3% QoQ
|
-6.7% |
24.4%
+4.2% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
4.1%
-35.1% YoY-11.9% QoQ
|
-9.9% |
14.0%
-5.7% YoY
|
6.6%
-8.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)