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
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.
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
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).
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.
- One place up in Wisconsin, ARCADIA (#7) ties at 97/100; one place down, University of Wisconsin (#9) ties at 97/100.
How HEARTLAND's 5300 filing moved
HEARTLAND: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.3% from $635.9M (2025Q4) to $656.7M (2026Q1).
- Net-worth ratio shifted -0.21 pp (11.82% → 11.61%).
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
HEARTLAND gives up 3 points in total. Member Growth costs the most, 2.6 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 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is HEARTLAND financially healthy?
HEARTLAND has a financial health score of 97/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #191 of 4,374 nationally on health and #8 of 100 in Wisconsin. Its net worth ratio is 11.61% and its delinquency rate 0.47%.
How does HEARTLAND compare to other credit unions?
HEARTLAND scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (11.61% vs 11.18%). Its widest shortfall is loan-to-share ratio (80.87% 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 11.61% 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.