State credit union · HUTCHINSON, Kansas · NCUA charter #62031
HEARTLAND
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $689.7M
- Total assets
- 40,298
- Members
- 9.2%
- Net-worth ratio
HEARTLAND scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $689.7M; members 40,298; net-worth ratio 9.15%; health rank #2,651 of 4,374; healthier than 39th of scored peers.
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NCUA 5300 Call Report Masthead
#2,651 of 4,374 health · 2025Q4HEARTLAND · health 81/100 · $689.7M · 2025Q4
Call Report peers
HEARTLAND in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
HEARTLAND vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); HEARTLAND sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for HEARTLAND
- Largest favorable gap: Loan-to-Share Ratio at 100.13% vs peer 83.90% (+16.23 pp).
- Net Worth Ratio trails the peer set - 9.15% here, 11.18% peer average (-2.03 pp).
HEARTLAND in Kansas
- Kansas health ordinal: #38 of 61.
- Assets rank #5 of 61 inside Kansas ($689.7M reported).
- Kansas membership ordinal: #8 of 61.
- One place up in Kansas, EAGLE (#37) ties at 81/100; one place down, 1st Kansas (#39) scores 80/100, 1 point lower.
HEARTLAND: 2025Q4 → 2026Q1
HEARTLAND: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $689.7M (2025Q4) to $708.6M (2026Q1).
- Net-worth ratio shifted +0.12 pp (9.03% → 9.15%).
At 9.15%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
HEARTLAND gives up 19 points in total. Loan-to-Share Ratio costs the most, 4.5 of its 15; Net Worth Ratio loses the least, 2.1.
- Net Worth Ratio 27.9 pts
- Delinquency Rate 20.9 pts
- Return on Assets 11.0 pts
- Member Growth 11.0 pts
- Loan-to-Share Ratio 10.2 pts
Call Report ratios for HEARTLAND
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.15% | -2.03 pp |
| Delinquency Rate | 0.91% | +0.04 pp |
| Return on Assets | 0.23% | -0.28 pp |
| Member Growth | 1.67% | - |
| Loan-to-Share Ratio | 100.13% | +16.23 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $708.6M | - |
| 2025Q4 | $689.7M | 40,298 |
| 2024Q4 | $643.8M | 39,635 |
| 2023Q4 | $617.9M | 39,468 |
Credit Union Details
- Charter Number
- 62031
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Kansas
- City
- HUTCHINSON
- Data Quarter
- 2025Q4
Branch Locations (11)
Per its most recent NCUA branch filing, HEARTLAND runs 11 offices in 6 different cities.
| Office | City |
|---|---|
| Support Center (Main Office) | Hutchinson, KS |
| Haven | Haven, KS |
| Hays | Hays, KS |
| 23rd & Severance | Hutchinson, KS |
| Ave A | Hutchinson, KS |
| 29th & Main | Hutchinson, KS |
| Salthawk Center | Hutchinson, KS |
| Ness City | Ness City, KS |
| Newton | Newton, KS |
| Maize | Wichita, KS |
| Kellogg | Wichita, KS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kansas
Other federally-insured credit unions in Kansas, closest first by peer group and asset size.
Other-state peers near HEARTLAND
Similar total assets
Using this data
- HEARTLAND ranks #2,651 of 4,374 nationally on financial health and #38 of 61 in KS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MAINSTREET is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MAINSTREET
Frequently Asked Questions
Is HEARTLAND financially healthy?
On its 2025Q4 NCUA 5300 filing, HEARTLAND scores 81/100 (Excellent), with a 9.15% net worth ratio and 0.91% of loans delinquent. It ranks #2,651 of 4,374 nationally on health and #38 of 61 in Kansas.
How does HEARTLAND compare to other credit unions?
HEARTLAND scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (100.13% vs 83.90%). Its widest shortfall is net worth ratio (9.15% vs 11.18%).
How can I join HEARTLAND?
Membership eligibility for HEARTLAND depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact HEARTLAND directly for current membership requirements and application steps.
Is my money safe at HEARTLAND?
HEARTLAND is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. HEARTLAND's net worth ratio of 9.15% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.