BlastPoint's Credit Union Scorecard
HEARTLAND
Charter #66710 · WI
HEARTLAND has 4 strengths but faces 3 concerns
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How does WI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 61.3% in tier
- + Credit Quality Leader: Top 99.4% in tier
- + ROA 0.26% above tier average
- + Net Interest Margin 0.09% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 6.1% in tier
- - Membership Headwinds: Bottom 18.9% in tier
- - Member decline: -2.1% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
33,483
-2.1% YoY+0.2% QoQ
|
-6.3K |
39,752
-2.7% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
32% |
| Assets |
$629.2M
+3.7% YoY-0.4% QoQ
|
+$6.8M |
$622.4M
+0.3% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
53% |
| Loans |
$450.9M
-0.1% YoY+0.8% QoQ
|
+$14.9M |
$435.9M
-0.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
57% |
| Deposits |
$548.5M
+2.8% YoY-0.9% QoQ
|
+$10.4M |
$538.0M
+1.3% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
55% |
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| ROA |
0.9%
+35.1% YoY+8.5% QoQ
|
+0.3% |
0.7%
+33.9% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
71% |
| NIM |
3.5%
+1.9% YoY+1.5% QoQ
|
+0.1% |
3.4%
+8.6% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
59% |
| Efficiency Ratio |
75.3%
-5.3% YoY-1.3% QoQ
|
-2.8% |
78.1%
-3.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
34% |
| Delinquency Rate |
0.4%
-41.5% YoY+8.6% QoQ
|
-0.4 |
0.8%
-4.9% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
23% |
| Loan To Share |
82.2%
-2.9% YoY+1.7% QoQ
|
+1.2% |
81.0%
-1.8% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
48% |
| AMR |
$29,846
+3.7% YoY-0.3% QoQ
|
+$3K |
$26,482
+2.6% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
75% |
| CD Concentration |
24.8%
+8.0% YoY-1.7% QoQ
|
+0.4% |
24.4%
+4.2% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
52% |
| Indirect Auto % |
6.2%
-9.7% YoY+1.2% QoQ
|
-7.8% |
14.0%
-5.7% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
47% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)