Iowa Heartland Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 17.3 and a net worth ratio of 17.3. A current level of 1.8 percent of nonperforming loans to core capital combined with 3.2 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10). Weak liquidity 2.8, driven by a liquidity ratio of 21.2 percent and a “hot money” ratio of 3.1 percent.
Asset Mix:
Securities (39%), consumer loans (30%), home mtgs (15%), other (16%)
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
1602 South Monroe Avenue
Mason City, IA 50401
Mason City, IA 50401
Phone Number
(641) 424-5391
NCUA Charter Number
Website
Largest Competitors
North Liberty, IA
Mason City, IA
Mason City, IA
Mason City, IA
Mason City, IA