Heartland Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.9 has resulted in Good (5.6) profitability.
Other Rating Factors:
A current level of 9.2 percent of nonperforming loans to core capital contributes to the Good asset quality (6.8). Good current capitalization (6.2 on a scale of 0 to 10) based on a net capital to total assets of 8.6 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