State credit union · MASON CITY, Iowa · NCUA charter #60718
Iowa Heartland
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $30.8M
- Total assets
- 3,396
- Members
- 16.8%
- Net-worth ratio
Iowa Heartland scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $30.8M; members 3,396; net-worth ratio 16.84%; health rank #739 of 4,374; healthier than 80th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#739 of 4,374 health · 2025Q4Iowa Heartland · health 92/100 · $30.8M · 2025Q4
Call Report peers
Iowa Heartland in the assets neighbourhood
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Iowa Heartland vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Iowa Heartland sits in 90-94 with 747 others.
92 Top 20% higher than 80% 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
Peer-gap read for Iowa Heartland
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +1.98 pp (16.84% vs 14.86%).
- Largest lag: Loan-to-Share Ratio at 48.32% vs peer 59.80% (-11.48 pp).
Iowa Heartland: in-state Call Report ranks
- In Iowa, health place is #15 of 66 on the same NCUA-ratio sort used nationally.
- Iowa assets place: #44 of 66.
- Membership ranks #41 of 66 among Iowa CUs with a reported count (3,396 members).
- One place up in Iowa, Citizens Community (#14) ties at 92/100; one place down, Capitol View (#16) scores 90/100, 2 points lower.
How Iowa Heartland's 5300 filing moved
Iowa Heartland: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $30.8M (2025Q4) to $31.2M (2026Q1).
- Net-worth ratio shifted -0.10 pp (16.94% → 16.84%).
At 16.84%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 92/100 score is built
Iowa Heartland gives up 8 points in total. Loan-to-Share Ratio costs the most, 4.7 of its 15; Net Worth Ratio and Return on Assets and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.2 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 10.8 pts
Iowa Heartland health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.84% | +1.98 pp |
| Delinquency Rate | 0.88% | -0.27 pp |
| Return on Assets | 0.88% | +0.18 pp |
| Member Growth | 5.11% | - |
| Loan-to-Share Ratio | 48.32% | -11.48 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Iowa Heartland
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $31.2M | - |
| 2025Q4 | $30.8M | 3,396 |
| 2024Q4 | $28.0M | 3,231 |
| 2023Q4 | $28.0M | 3,231 |
Credit Union Details
- Charter Number
- 60718
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Iowa
- City
- MASON CITY
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Iowa Heartland.
| Office | City |
|---|---|
| IOWA HEARTLAND CREDIT UNION (Main Office) | MASON CITY, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
More federally-insured credit unions based in Iowa, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- Iowa Heartland ranks #739 of 4,374 nationally on financial health and #15 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- River Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with River Community
Frequently Asked Questions
Is Iowa Heartland financially healthy?
On its 2025Q4 NCUA 5300 filing, Iowa Heartland scores 92/100 (Excellent), with a 16.84% net worth ratio and 0.88% of loans delinquent. It ranks #739 of 4,374 nationally on health and #15 of 66 in Iowa.
How does Iowa Heartland compare to other credit unions?
Iowa Heartland scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (16.84% vs 14.86%). Its widest shortfall is loan-to-share ratio (48.32% vs 59.80%).
How can I join Iowa Heartland?
Membership eligibility for Iowa Heartland depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Iowa Heartland directly for current membership requirements and application steps.
Is my money safe at Iowa Heartland?
Iowa 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. Iowa Heartland's net worth ratio of 16.84% 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.