State credit union · Madison, Wisconsin · NCUA charter #66710
HEARTLAND
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $635.9M
- Total assets
- 33,515
- Members
- 11.6%
- Net-worth ratio
HEARTLAND scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $635.9M; members 33,515; net-worth ratio 11.61%; health rank #191 of 4,374; healthier than 95th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#191 of 4,374 health · 2025Q4HEARTLAND · health 97/100 · $635.9M · 2025Q4
- PHOTO 97/100
- BOOK 11.6%
- CHARTER 0.47%
- NCUSIF 0.73%
- CAMELS $635.9M
- HEALTH 33,515
- NW #191/4,374
- DELQ First Peoples Community
- ROA 66710
Call Report peers
HEARTLAND in the assets neighbourhood
HEARTLAND's $635.9M assets sit next to First Peoples Community ($637.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
97 Top 5% higher than 95% 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
HEARTLAND - Share Insurance Coverage
Charter #66710's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where HEARTLAND diverges from peer averages
- Net Worth Ratio leads the peer set - 11.61% here, 11.18% peer average (+0.43 pp).
- Largest lag: Loan-to-Share Ratio at 80.87% vs peer 83.90% (-3.03 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where HEARTLAND sits in Wisconsin
- In Wisconsin, health place is #8 of 100 on the same NCUA-ratio sort used nationally.
- By total assets, HEARTLAND is #19 of 100 in Wisconsin.
- Wisconsin membership ordinal: #19 of 100.
In-state ordinals use the live credit_unions table for WI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How HEARTLAND's 5300 filing moved
HEARTLAND: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $635.9M (2025Q4) to $656.7M (2026Q1).
- Net-worth ratio shifted -0.21 pp (11.82% → 11.61%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.61% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 97/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.4 pts
- Loan-to-Share Ratio 14.6 pts
HEARTLAND health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.61% | +0.43 pp |
| Delinquency Rate | 0.47% | -0.40 pp |
| Return on Assets | 0.73% | +0.22 pp |
| Member Growth | 2.87% | - |
| Loan-to-Share Ratio | 80.87% | -3.03 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
HEARTLAND quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $656.7M | - |
| 2025Q4 | $635.9M | 33,515 |
| 2024Q4 | $614.2M | 32,580 |
| 2023Q4 | $610.4M | 34,656 |
Credit Union Details
- Charter Number
- 66710
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Wisconsin
- City
- Madison
- Data Quarter
- 2025Q4
Branch Locations (12)
The NCUA branch filing lists 12 physical offices for HEARTLAND, spread across 8 cities.
| Office | City |
|---|---|
| Heartland Corporate (Main Office) | Madison, WI |
| Heartland-DeForest | DeForest, WI |
| Heartland-Dodgeville | Dodgeville, WI |
| Heartland-SSM Janesville | Janesville, WI |
| Heartland-Lancaster | Lancaster, WI |
| Heartland-Williamson Street | Madison, WI |
| Heartland-E. Washington Ave | Madison, WI |
| Heartland-Rimrock Rd | Madison, WI |
| Heartland-Struck St | Madison, WI |
| Heartland-Oregon | Oregon, WI |
| Heartland-Platteville | Platteville, WI |
| Heartland-Verona | Verona, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
A look at other Wisconsin credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for HEARTLAND, both outside Wisconsin so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($635.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
Using this data
- HEARTLAND ranks #191 of 4,374 nationally on financial health and #8 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CO-OP is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CO-OP
- Rates and health both vary by institution, not just by state -- see how Wisconsin credit unions compare overall before assuming this one is typical. Wisconsin state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is HEARTLAND financially healthy?
HEARTLAND has a financial health score of 97/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #191 of 4,374; by total assets it ranks #658 of 4,374 nationally (same basis as /rankings/largest); and #19 of 100 within Wisconsin. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.61% and delinquency rate of 0.47%.
How does HEARTLAND compare to other credit unions?
Five weighted metrics from NCUA filings produce HEARTLAND's 97/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like HEARTLAND are 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 11.61% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does HEARTLAND offer compared to banks?
Credit unions like HEARTLAND are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact HEARTLAND directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.