BlastPoint's Credit Union Scorecard
HEARTLAND
Charter #64441 · IL
HEARTLAND has 11 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 4.1% in tier
- + Profitability Leader: Top 14.2% in tier
- + Credit Quality Leader: Top 42.8% 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
- - Credit Risk Growth: Bottom 16.1% in tier
- - Credit Quality Pressure: Bottom 25.5% 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
|
40% |
| 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
|
25% |
| 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 |
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| 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
|
52% |
| 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
|
51% |
| 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
|
44% |
| 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
|
42% |
| Indirect Auto % |
74.9%
-0.7% YoY-0.5% QoQ
|
+60.9% |
14.0%
-5.7% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
Top 0.7% in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
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)