Heartland Credit Union
Hutchinson, KS·Charter 62031·cu:62031·CCULR opted in
- #6 of 62Total assets in Kansas
- 41.4Kmembers
- #5 of 1,817Return on assets in the U.S.
- #8 of 1,806Margin improvement in the U.S.
- Top 1%Net interest margin vs. peers
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Heartland Credit Union
4 of 25 FORFI signals stand out against 569 similar credit unions, based on NCUA data for the quarter.
Return on assets rising faster than peersStrength: Earnings 2nd quarter3.49%peers 0.81%+268 bps
Heartland Credit Union's annualized return on assets rose 242 bps over the past year to 3.49%. Among 561 similar credit unions, the median rose 9 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 3.49% | 0.81% | +268 bps |
| 12-month change | ||
| +242 bps | +9 bps | +233 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Heartland Credit Union itself is left out of every peer median and percentile. How signals work
Efficiency ratio falling faster than peersStrength: Efficiency 2nd quarter48.7%peers 75.9%-27.3 pp
Heartland Credit Union's efficiency ratio fell 19.0 percentage points over the past year to 48.7%. Among 561 similar credit unions, the median fell 0.6 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 48.7% | 75.9% | -27.3 pp |
| 12-month change | ||
| -19.0 pp | -0.6 pp | -18.4 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Heartland Credit Union itself is left out of every peer median and percentile. How signals work
Where Heartland Credit Union differs most from peers
Loan-to-share ratio among the highest of similar credit unionsContext: Liquidity102.0%peers 79.7%+22.4 pp
Heartland Credit Union's loans as a share of shares and deposits was 102.0%, compared with a median of 79.7% among 569 similar credit unions: higher than 96% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Loans as a share of shares and deposits | ||
| 102.0% | 79.7% | +22.4 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Heartland Credit Union itself is left out of every peer median and percentile. How signals work
2 more observations
- Net interest margin widening faster than peersEarnings
- Fee and other noninterest income among the highest of similar credit unionsEarnings
Key facts
- Heartland Credit Union is a state-chartered credit union headquartered in Hutchinson, Kansas. It reported $726 million in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $599 million, up 8.4% from a year earlier, and loans totaled $611 million, up 8.2%.
- Its net interest margin on average assets was 5.57% and its annualized return on assets was 3.49% for the quarter.
- Its cost of all shares and deposits was 1.93%, compared with a median of 1.45% among 566 similar credit unions with $300 million to $1 billion in assets.
- It served 41,350 members, up 4.1% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Heartland Credit Union's own data, FORFI would look at: Which relationships and products drive the change in earnings, and where pricing has drifted.
Analysis workspaces
Sources and identifiers
- Institution
- Heartland Credit Union · Credit union
- NCUA charter
- 62031
- Reporting period
- Peer group
- 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Heartland Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $6.25M | |
| $13.53M | |
| $3.56M | |
| $9.96M | |
| $5.23M | |
| $7.39M | |
| $1.55M | |
| $1.55M | |
| 3.49% | |
| 5.57% | |
| 48.68% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.