BlastPoint's Credit Union Scorecard
HEARTLAND
Charter #64441 · IL
HEARTLAND has 7 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does IL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 18.7% in tier
- + Wallet Share Momentum: Top 99.2% in tier
- + ROA 1.11% above tier average
- + First Mortgage Concentration (%): Top 0.6% in tier
- + Efficiency Ratio: Top 1.8% in tier
- + Members Per Employee (MPE): Top 6.1% in tier
- + Total Delinquency Rate (60+ days): Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 2.2% in tier
- - Credit Risk Growth: Bottom 82.0% in tier
- - Credit Quality Pressure: Bottom 98.2% in tier
- - Indirect Auto Concentration (%): Bottom 0.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
35,257
+3.8% YoY-0.4% QoQ
|
-3.3K |
38,575
-4.8% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
39% |
| Assets |
$554.8M
+11.0% YoY+3.9% QoQ
|
$-66.9M |
$621.7M
+0.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$378.6M
+7.5% YoY-1.7% QoQ
|
$-51.2M |
$429.8M
-1.8% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
28% |
| Deposits |
$479.3M
+10.3% YoY+4.1% QoQ
|
$-59.4M |
$538.7M
+0.6% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
19% |
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| ROA |
1.8%
+11.9% YoY-6.3% QoQ
|
+1.1% |
0.7%
+42.9% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
Top 2.4% in tier |
| NIM |
3.4%
+3.8% YoY-1.6% QoQ
|
-0.0% |
3.4%
+8.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
47% |
| Efficiency Ratio |
56.1%
-6.7% YoY+2.3% QoQ
|
-21.4% |
77.5%
-4.1% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 1.8% in tier |
| Delinquency Rate |
0.2%
+4.0% YoY+2.8% QoQ
|
-0.6 |
0.8%
-1.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 6.7% in tier |
| Loan To Share |
79.0%
-2.5% YoY-5.6% QoQ
|
-0.9% |
79.8%
-2.3% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
41% |
| AMR |
$24,333
+5.0% YoY+1.8% QoQ
|
$-3K |
$26,849
+2.7% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
42% |
| CD Concentration |
21.7%
-0.5% YoY-1.9% QoQ
|
-2.8% | 24.4% | 14.1% | 19.8% | 40% |
| Indirect Auto % |
73.6%
-1.8% YoY-1.7% QoQ
|
+59.8% | 13.8% | 7.1% | 7.8% | Top 0.7% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)