State credit union · Springfield, Illinois · NCUA charter #64441
HEARTLAND
Health score 99/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 99
- Health / 100
- $554.8M
- Total assets
- 35,257
- Members
- 13.2%
- Net-worth ratio
HEARTLAND scores 99/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $554.8M; members 35,257; net-worth ratio 13.22%; health rank #50 of 4,374; healthier than 98th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#50 of 4,374 health · 2025Q4HEARTLAND · health 99/100 · $554.8M · 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 95-99 with 391 others.
99 Top 2% higher than 98% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
HEARTLAND vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +2.04 pp (13.22% vs 11.18%).
- Loan-to-Share Ratio trails the peer set - 78.99% here, 83.90% peer average (-4.91 pp).
Where HEARTLAND sits in Illinois
- Health composite ranks #2 of 192 among scored Illinois credit unions.
- Assets rank #23 of 192 inside Illinois ($554.8M reported).
- Member book place in Illinois: #25 of 192.
- One place up in Illinois, Hershey Robinson Employees (#1) scores 100/100, 1 point higher; one place down, Chicago Firefighter's (#3) scores 98/100, 1 point lower.
HEARTLAND: 2025Q4 → 2026Q1
HEARTLAND: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $554.8M (2025Q4) to $574.6M (2026Q1).
- Net-worth ratio shifted -0.09 pp (13.31% → 13.22%).
This credit union's 13.22% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 99/100 score is built
HEARTLAND gives up 1 points in total. Member Growth costs the most, 1.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.6 pts
- Loan-to-Share Ratio 15.4 pts
HEARTLAND health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.22% | +2.04 pp |
| Delinquency Rate | 0.22% | -0.66 pp |
| Return on Assets | 1.40% | +0.89 pp |
| Member Growth | 3.84% | - |
| Loan-to-Share Ratio | 78.99% | -4.91 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $574.6M | - |
| 2025Q4 | $554.8M | 35,257 |
| 2024Q4 | $499.8M | 33,953 |
| 2023Q4 | $451.9M | 32,870 |
Credit Union Details
- Charter Number
- 64441
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Illinois
- City
- Springfield
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for HEARTLAND.
| Office | City |
|---|---|
| Main (Main Office) | Springfield, IL |
| North | Springfield, IL |
| St Joseph | Springfield, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
A look at other Illinois 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 #50 of 4,374 nationally on financial health and #2 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SIU is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SIU
Frequently Asked Questions
Is HEARTLAND financially healthy?
HEARTLAND has a financial health score of 99/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #50 of 4,374 nationally on health and #2 of 192 in Illinois. Its net worth ratio is 13.22% and its delinquency rate 0.22%.
How does HEARTLAND compare to other credit unions?
HEARTLAND scores 99/100, higher than 98% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (13.22% vs 11.18%). Its widest shortfall is loan-to-share ratio (78.99% vs 83.90%).
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 13.22% 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.