BlastPoint's Credit Union Scorecard

HEARTLAND

Charter #64441 · IL

Community 500M-750M
167 CUs in 500M-750M nationally 8 in IL
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HEARTLAND has 5 strengths but faces 5 concerns

National Analysis

How does the industry compare?
Community Tier

What's your peer group doing?
IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.84% above tier average
  • + First Mortgage Concentration (%): Top 0.6% in tier
  • + Efficiency Ratio: Top 4.8% in tier
  • + Members Per Employee (MPE): Top 9.0% in tier
  • + Total Delinquency Rate (60+ days): Top 9.6% in tier

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 10.2% in tier
  • - Indirect Auto Dependency: Bottom 11.5% in tier
  • - Credit Risk Growth: Bottom 41.3% in tier
  • - Credit Quality Pressure: Bottom 53.2% in tier
  • - Indirect Auto Concentration (%): Bottom 0.6% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Members 35,517
+2.8% YoY+0.7% QoQ
 -2.6K 38,079
-4.8% YoY
 22,133
+6.8% YoY
 33,913
+5.7% YoY
 42%
Assets $574.6M
+9.9% YoY+3.6% QoQ
 $-45.1M $619.7M
-0.2% YoY
 $406.0M
+9.7% YoY
 $578.3M
+9.0% YoY
 34%
Loans $381.2M
+4.7% YoY+0.7% QoQ
 $-38.1M $419.3M
-1.4% YoY
 $279.6M
+10.0% YoY
 $402.4M
+8.7% YoY
 31%
Deposits $497.0M
+9.4% YoY+3.7% QoQ
 $-42.5M $539.5M
-0.1% YoY
 $344.9M
+10.3% YoY
 $494.3M
+9.1% YoY
 30%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 1.5%
-21.6% YoY-13.6% QoQ
 +0.8% 0.7%
+36.0% YoY
 0.5%
-57.9% YoY
 0.4%
-39.2% YoY
 Top 9.0% in tier
NIM 3.3%
-3.5% YoY-3.0% QoQ
 -0.1% 3.5%
+4.5% YoY
 3.7%
-0.2% YoY
 3.8%
+4.1% YoY
 38%
Efficiency Ratio 59.4%
+8.1% YoY+5.8% QoQ
 -19.0% 78.4%
-3.7% YoY
 87.0%
+8.4% YoY
 84.6%
+2.8% YoY
 Top 4.8% in tier
Delinquency Rate 0.2%
+3.9% YoY-19.0% QoQ
 -0.5 0.7%
-0.9% YoY
 1.2%
+7.3% YoY
 1.2%
+3.4% YoY
 Top 9.6% in tier
Loan To Share 76.7%
-4.3% YoY-2.9% QoQ
 -1.0% 77.7%
-1.2% YoY
 60.2%
-0.9% YoY
 65.6%
-1.4% YoY
 40%
AMR $24,727
+4.4% YoY+1.6% QoQ
 $-2K $26,927
+3.1% YoY
 $15,723
+4.6% YoY
 $19,920
+1.6% YoY
 46%
CD Concentration 21.0%
+0.1% YoY-3.0% QoQ
 -3.3% 24.3% 14.0% 19.8% 39%
Indirect Auto % 72.3%
-4.2% YoY-1.9% QoQ
 +58.5% 13.8% 7.2% 7.7% Bottom 0.7% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Indirect Auto Dependency

risk
#8 of 504 • Bottom 11.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 9.86%
(Tier: 4.68%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 72.26%
(Tier: 13.80%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 2.81%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
745 nationally
↓ Shrinking -29 CUs YoY

Margin Compression

decline
#5 of 133 • Bottom 10.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.53%
(Tier: 0.72%, National: 0.39%)
but better than tier avg
ROA (Prior Year): 1.95%
(Tier: 0.67%, National: 0.75%)
but better than tier avg
ROA Change (YoY): -0.42% points
(Tier: 0.05% points, National: -0.45% points)
worse than tier avg
133 of 284 Community CUs have this signature | 162 nationally
→ No prior data (133 CUs now) | New qualifier

Credit Risk Growth

risk
#441 of 476 • Bottom 41.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 4.73%
(Tier: 4.14%, National: 1.74%)
but better than tier avg
Delinquency Change (YoY): 0.01% points
(Tier: 0.03% points, National: 0.12% points)
but better than tier avg
710 nationally
→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk
#710 of 727 • Bottom 53.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.01% points
(Tier: 0.03% points, National: 0.12% points)
but better than tier avg
1013 nationally
↓ Shrinking -60 CUs YoY | Rank worsening

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)

Comparing against 167 peers in tier

Top Strengths (9 metrics)

2
First Mortgage Concentration (%)
balance_sheet
Value: 5.02%
Peer Median: 32.87%
#2 of 167 Top 0.6% in 500M-750M tier
9
Efficiency Ratio
profitability
Value: 59.42%
Peer Median: 78.61%
#9 of 167 Top 4.8% in 500M-750M tier
15
Return on Assets (ROA)
profitability
Value: 1.53%
Peer Median: 0.61%
#15 of 167 Top 8.4% in 500M-750M tier
16
Members Per Employee (MPE)
engagement
Value: 443.962
Peer Median: 318.730
#16 of 167 Top 9.0% in 500M-750M tier
17
Total Delinquency Rate (60+ days)
risk
Value: 0.18%
Peer Median: 0.62%
#17 of 167 Top 9.6% in 500M-750M tier
25
Deposit Growth Rate
growth
Value: 9.41%
Peer Median: 4.02%
#25 of 167 Top 14.4% in 500M-750M tier
26
Asset Growth Rate
growth
Value: 9.86%
Peer Median: 4.66%
#26 of 167 Top 15.0% in 500M-750M tier
28
Net Worth Ratio
risk
Value: 13.22%
Peer Median: 10.35%
#28 of 167 Top 16.2% in 500M-750M tier
41
Member Growth Rate
growth
Value: 2.81%
Peer Median: 1.03%
#41 of 167 Top 24.0% in 500M-750M tier

Top Weaknesses (1 metrics)

167
Indirect Auto Concentration (%)
balance_sheet
Value: 72.26%
Peer Median: 10.91%
#167 of 167 Bottom 0.6% in 500M-750M tier
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