BlastPoint's Credit Union Scorecard
HEARTLAND
Charter #66710 · WI
HEARTLAND has 4 strengths but faces 1 concern
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
- + Organic Growth Engine: Top 38.7% in tier
- + Organic Growth Leader: Top 44.9% in tier
- + ROA 0.31% above tier average
- + Net Interest Margin 0.10% above tier average
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 80.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
33,515
+2.9% YoY+0.1% QoQ
|
-5.1K |
38,575
-4.8% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
33% |
| Assets |
$635.9M
+3.5% YoY+1.1% QoQ
|
+$14.2M |
$621.7M
+0.1% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
55% |
| Loans |
$447.9M
+0.1% YoY-0.7% QoQ
|
+$18.1M |
$429.8M
-1.8% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
56% |
| Deposits |
$553.8M
+2.7% YoY+1.0% QoQ
|
+$15.1M |
$538.7M
+0.6% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
60% |
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| ROA |
1.0%
+26.8% YoY+4.8% QoQ
|
+0.3% |
0.7%
+42.9% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
73% |
| NIM |
3.5%
+1.0% YoY+0.6% QoQ
|
+0.1% |
3.4%
+8.0% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
58% |
| Efficiency Ratio |
74.4%
-4.4% YoY-1.2% QoQ
|
-3.1% |
77.5%
-4.1% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
33% |
| Delinquency Rate |
0.5%
-11.6% YoY+22.4% QoQ
|
-0.4 |
0.8%
-1.1% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
26% |
| Loan To Share |
80.9%
-2.5% YoY-1.6% QoQ
|
+1.0% |
79.8%
-2.3% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
50% |
| AMR |
$29,887
-1.3% YoY+0.1% QoQ
|
+$3K |
$26,849
+2.7% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
72% |
| CD Concentration |
25.1%
+3.3% YoY+1.3% QoQ
|
+0.7% | 24.4% | 21.5% | 19.8% | 53% |
| Indirect Auto % |
6.0%
-7.1% YoY-2.9% QoQ
|
-7.8% | 13.8% | 8.0% | 7.8% | 46% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (1)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)