Iowa Heartland Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.4 has resulted in Good (6.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 17.0 and a net worth ratio of 0.0. A current level of 3.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.4).
Asset Mix:
Consumer loans (22%), home mtgs (15%), securities (1%), other (63%)
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