HEARTLAND

Charter #64441 | IL

500M-750M (169 CUs) Community (281 CUs)
7 500M-750M in IL

HEARTLAND has 11 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 4.1% in tier
  • + Wallet Share Momentum: Top 18.5% in tier
  • + Relationship Depth Leader: Top 28.0% in tier
  • + ROA 1.23% above tier average
  • + Net Interest Margin 0.05% above tier average
  • + Strong member growth: 5.6% YoY
  • + First Mortgage Concentration (%): Top 1.2% in tier
  • + Efficiency Ratio: Top 1.8% in tier
  • + Total Delinquency Rate (60+ days): Top 6.5% in tier
  • + Members Per Employee (MPE): Top 8.3% in tier
  • + Member Growth Rate: Top 8.9% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 1.1% in tier
  • - Growth-at-Risk: Bottom 16.1% in tier
  • - Credit Quality Pressure: Bottom 25.5% in tier
  • - Liquidity Overhang: Bottom 26.8% in tier
  • - Indirect Auto Concentration (%): Bottom 0.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Members 35,403
+5.6% YoY+1.0% QoQ
 -4.3K 39,752
-2.7% YoY
 21,352
+8.3% YoY
 33,089
+6.1% YoY
 40th in tier
Assets $534.2M
+10.5% YoY+1.1% QoQ
 $-88.2M $622.4M
+0.3% YoY
 $379.6M
+9.6% YoY
 $547.7M
+7.8% YoY
 Bottom 14.8% in tier
Loans $385.2M
+11.5% YoY+2.0% QoQ
 $-50.7M $435.9M
-0.4% YoY
 $267.7M
+12.9% YoY
 $388.7M
+8.6% YoY
 25th in tier
Deposits $460.6M
+9.8% YoY+0.7% QoQ
 $-77.4M $538.0M
+1.3% YoY
 $314.3M
+10.4% YoY
 $464.6M
+9.3% YoY
 Bottom 12.4% in tier
ROA 1.9%
+20.4% YoY-0.7% QoQ
 +1.2% 0.7%
+33.9% YoY
 0.8%
-108.9% YoY
 0.7%
+273.4% YoY
 Top 1.8% in tier
NIM 3.5%
+5.0% YoY+0.7% QoQ
 +0.0% 3.4%
+8.6% YoY
 3.7%
+5.1% YoY
 3.7%
+5.0% YoY
 52nd in tier
Efficiency Ratio 54.9%
-9.7% YoY+1.3% QoQ
 -23.2% 78.1%
-3.4% YoY
 90.4%
+10.2% YoY
 79.1%
-3.3% YoY
 Bottom 1.8% in tier
Delinquency Rate 0.2%
+21.3% YoY+20.0% QoQ
 -0.6 0.8%
-4.9% YoY
 1.5%
-12.1% YoY
 1.2%
-0.9% YoY
 Bottom 6.5% in tier
Loan To Share 83.6%
+1.5% YoY+1.4% QoQ
 +2.6% 81.0%
-1.8% YoY
 62.3%
-1.7% YoY
 68.0%
-1.7% YoY
 51st in tier
AMR $23,891
+4.7% YoY+0.3% QoQ
 $-3K $26,482
+2.6% YoY
 $15,032
+2.8% YoY
 $19,418
+1.3% YoY
 44th in tier
CD Concentration 22.1%
+2.2% YoY+1.2% QoQ
 -2.3% 24.4%
+4.2% YoY
 13.7%
+4.0% YoY
 19.6%
+6.2% YoY
 42nd in tier
Indirect Auto % 74.9%
-0.7% YoY-0.5% QoQ
 +60.9% 14.0%
-5.8% YoY
 7.2%
+3.4% YoY
 7.9%
-2.9% YoY
 Top 0.7% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#76 of 603 • Top 4.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.63%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.89%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 74.87%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Wallet Share Momentum

growth
#512 of 1006 • Top 18.5% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 4.68%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#771 of 1006 • Top 28.0% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 4.68%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.0K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (4)

Indirect Auto Dependency

risk
#18 of 525 • Bottom 1.1% in tier

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

Why This Signature
Asset Growth (YoY): 10.52%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 74.87%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 5.63%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Growth-at-Risk

risk
#242 of 446 • Bottom 16.1% in tier

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

Why This Signature
Loan Growth (YoY): 11.50%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.04% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank improving

Credit Quality Pressure

risk
#631 of 736 • Bottom 25.5% in tier

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

Why This Signature
Delinquency Change (YoY): 0.04% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Liquidity Overhang

risk
#416 of 552 • Bottom 26.8% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.43%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 83.64%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 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 169 peers in tier

Top Strengths (10 metrics)

3
Return on Assets (ROA)
profitability
Value: 1.89%
Peer Avg: 0.66%
#3 of 169 Top 1.2% in 500M-750M tier
3
First Mortgage Concentration (%)
balance_sheet
Value: 3.13%
Peer Avg: 33.53%
#3 of 169 Top 1.2% in 500M-750M tier
4
Efficiency Ratio
profitability
Value: 54.88%
Peer Avg: 78.10%
#4 of 169 Top 1.8% in 500M-750M tier
12
Total Delinquency Rate (60+ days)
risk
Value: 0.21%
Peer Avg: 0.80%
#12 of 169 Top 6.5% in 500M-750M tier
15
Members Per Employee (MPE)
engagement
Value: 448.139
Peer Avg: 338.010
#15 of 169 Top 8.3% in 500M-750M tier
16
Member Growth Rate
growth
Value: 5.63%
Peer Avg: 1.75%
#16 of 169 Top 8.9% in 500M-750M tier
19
Asset Growth Rate
growth
Value: 10.52%
Peer Avg: 4.33%
#19 of 169 Top 10.7% in 500M-750M tier
21
Loan Growth Rate
growth
Value: 11.50%
Peer Avg: 4.04%
#21 of 169 Top 11.8% in 500M-750M tier
26
Net Worth Ratio
risk
Value: 13.43%
Peer Avg: 10.94%
#26 of 169 Top 14.8% in 500M-750M tier
27
Deposit Growth Rate
growth
Value: 9.82%
Peer Avg: 5.25%
#27 of 169 Top 15.4% in 500M-750M tier

Top Weaknesses (3 metrics)

169
Indirect Auto Concentration (%)
balance_sheet
Value: 74.87%
Peer Avg: 16.19%
#169 of 169 Bottom 0.6% in 500M-750M tier
148
Total Deposits
balance_sheet
Value: $460.59M
Peer Avg: $538.02M
#148 of 169 Bottom 13.0% in 500M-750M tier
144
Total Assets
balance_sheet
Value: $534.17M
Peer Avg: $622.38M
#144 of 169 Bottom 15.4% in 500M-750M tier