BlastPoint's Credit Union Scorecard
HEARTLAND
Charter #66710 · WI
HEARTLAND has 1 strength but faces 2 concerns
How does the industry compare?
What's your peer group doing?
How does WI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 63.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 35.4% in tier
- - Efficiency ratio 4.17% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
33,565
+0.4% YoY+0.1% QoQ
|
-4.5K |
38,079
-4.8% YoY
|
39,491
+5.5% YoY
|
33,913
+5.7% YoY
|
34% |
| Assets |
$656.7M
+5.0% YoY+3.3% QoQ
|
+$37.0M |
$619.7M
-0.2% YoY
|
$762.9M
+12.1% YoY
|
$578.3M
+9.0% YoY
|
64% |
| Loans |
$447.3M
+0.1% YoY-0.1% QoQ
|
+$28.0M |
$419.3M
-1.4% YoY
|
$579.7M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
60% |
| Deposits |
$573.1M
+4.4% YoY+3.5% QoQ
|
+$33.6M |
$539.5M
-0.1% YoY
|
$643.6M
+11.9% YoY
|
$494.3M
+9.1% YoY
|
69% |
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| ROA |
0.7%
+21.8% YoY-28.0% QoQ
|
+0.0% |
0.7%
+36.0% YoY
|
0.3%
+1.8% YoY
|
0.4%
-39.2% YoY
|
58% |
| NIM |
3.4%
-0.9% YoY-4.0% QoQ
|
-0.1% |
3.5%
+4.5% YoY
|
3.4%
+8.2% YoY
|
3.8%
+4.1% YoY
|
42% |
| Efficiency Ratio |
82.6%
+1.1% YoY+11.0% QoQ
|
+4.2% |
78.4%
-3.7% YoY
|
77.2%
-0.5% YoY
|
84.6%
+2.8% YoY
|
66% |
| Delinquency Rate |
0.3%
-39.9% YoY-41.2% QoQ
|
-0.4 |
0.7%
-0.9% YoY
|
0.7%
-8.9% YoY
|
1.2%
+3.4% YoY
|
20% |
| Loan To Share |
78.0%
-4.2% YoY-3.5% QoQ
|
+0.4% |
77.7%
-1.2% YoY
|
78.6%
-0.5% YoY
|
65.6%
-1.4% YoY
|
42% |
| AMR |
$30,401
+2.0% YoY+1.7% QoQ
|
+$3K |
$26,927
+3.1% YoY
|
$24,071
+7.1% YoY
|
$19,920
+1.6% YoY
|
74% |
| CD Concentration |
25.4%
+1.5% YoY+1.1% QoQ
|
+1.1% | 24.3% | 21.6% | 19.8% | 55% |
| Indirect Auto % |
4.9%
-20.8% YoY-19.2% QoQ
|
-8.9% | 13.8% | 8.0% | 7.7% | 45% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)