B
Heartland Credit Union
MadisonWI
Rating Date
July 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Heartland Credit Union
Madison, WI
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Rating B
Asset Quality Index 9.30
Capitalization Index 9.40
Liquidity Index 3.70
Profitability Index 5.20
Stability Index 7.40
Company Info Heartland Credit Union
Madison, WI
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NCUA Charter Number 390
Phone Number (800) 362-3944
Website www.heartlandcu.org
Asset Quality Heartland Credit Union
Madison, WI
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1-Year Asset Growth 1.86%
5-Year Asset Growth 14.48%
5-Year Charge-Offs to Average Loans 0.20%
Charge-Offs to Average Loans 0.28%
Non-Performing Assets to Assets 0.33%
Non-Performing Loans to Capital 2.87%
Non-Performing Loans to Loans 0.46%
Balance Sheet Heartland Credit Union
Madison, WI
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Total Assets 625.30M
Total Deposits 548.96M
Capital and Reserves Heartland Credit Union
Madison, WI
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Capital 70.09M
Leverage Ratio 11.21
Loan Loss Reserves to Loans 0.64%
Liquidity Heartland Credit Union
Madison, WI
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Hot Money Ratio 12.68%
Liquidity Ratio 22.78%
Profitability Heartland Credit Union
Madison, WI
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5-Year Return on Average Assets 0.62%
Net Income 883.00K
Net Interest Spread 3.91%
Operating Profit to Average Assets 0.79%
Overhead Efficiency Ratio 81.65%
Return on Assets 0.57%
Return on Equity 5.07%