State credit union · Inver Grove Hei, Minnesota · NCUA charter #64168
HEARTLAND
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $173.9M
- Total assets
- 10,905
- Members
- 9.8%
- Net-worth ratio
HEARTLAND scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $173.9M; members 10,905; net-worth ratio 9.78%; health rank #1,847 of 4,374; healthier than 57th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,847 of 4,374 health · 2025Q4HEARTLAND · health 86/100 · $173.9M · 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
HEARTLAND sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where HEARTLAND diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 72.55% vs peer 72.20% (+0.35 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.33 pp (9.78% vs 12.11%).
HEARTLAND in Minnesota
- In Minnesota, health place is #50 of 82 on the same NCUA-ratio sort used nationally.
- By total assets, HEARTLAND is #33 of 82 in Minnesota.
- Membership ranks #33 of 82 among Minnesota CUs with a reported count (10,905 members).
- One place up in Minnesota, Members Cooperative (#49) ties at 86/100; one place down, Smw Financial (#51) scores 85/100, 1 point lower.
Quarter path for HEARTLAND
HEARTLAND: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $173.9M (2025Q4) to $176.4M (2026Q1).
- Net-worth ratio shifted -0.10 pp (9.88% → 9.78%).
This credit union's 9.78% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 86/100 score is built
HEARTLAND gives up 14 points in total. Member Growth costs the most, 6.2 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 29.4 pts
- Delinquency Rate 24.1 pts
- Return on Assets 9.1 pts
- Member Growth 8.8 pts
- Loan-to-Share Ratio 14.6 pts
HEARTLAND health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.78% | -2.33 pp |
| Delinquency Rate | 0.59% | -0.30 pp |
| Return on Assets | 0.10% | -0.52 pp |
| Member Growth | -0.14% | - |
| Loan-to-Share Ratio | 72.55% | +0.35 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
HEARTLAND filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $176.4M | - |
| 2025Q4 | $173.9M | 10,905 |
| 2024Q4 | $177.6M | 10,920 |
| 2023Q4 | $189.9M | 10,989 |
Credit Union Details
- Charter Number
- 64168
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Minnesota
- City
- Inver Grove Hei
- Data Quarter
- 2025Q4
Branch Locations (4)
HEARTLAND operates 4 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Inver Grove Heights, MN |
| LOL | Arden Hills, MN |
| Hugo | Hugo, MN |
| New Prague | New Prague, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
A look at other Minnesota credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- HEARTLAND ranks #1,847 of 4,374 nationally on financial health and #50 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- NORTHWOODS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with NORTHWOODS
Frequently Asked Questions
Is HEARTLAND financially healthy?
HEARTLAND has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,847 of 4,374 nationally on health and #50 of 82 in Minnesota. Its net worth ratio is 9.78% and its delinquency rate 0.59%.
How does HEARTLAND compare to other credit unions?
HEARTLAND scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (72.55% vs 72.20%). Its widest shortfall is net worth ratio (9.78% vs 12.11%).
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 9.78% 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.