Heartland Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.6 has resulted in Fair (3.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 11.4 percent of nonperforming loans to core capital combined with 10.4 percent from a year earlier contributes to the Good asset quality (6.3). Good current capitalization (6.1 on a scale of 0 to 10) based on a net capital to total assets of 8.5 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (40%), home mtgs (25%), securities (0%), other (35%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
4000 North Monroe Street
Hutchinson, KS 67502
Hutchinson, KS 67502
Phone Number
(620) 669-0177
NCUA Charter Number
Website
Largest Competitors
Lenexa, KS
Hutchinson, KS
Hutchinson, KS
Hutchinson, KS
Hutchinson, KS