State credit union · MASON CITY, Iowa · NCUA charter #60718

Iowa Heartland

Health score 92/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

92
Health / 100
$30.8M
Total assets
3,396
Members
14.0%
Net-worth ratio

Iowa Heartland - Share Insurance Coverage

Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #60718. See our deposit-insurance coverage note.

NCUSIF coverage gauge for Iowa Heartland Share insurance under NCUSIF covers up to $250,000 per share owner. Iowa Heartland holds approximately $25.5M in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 14.0 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 14.0% · $25.5M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Iowa Heartland - Five Health Pillars

The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.

  • Capital (net worth ratio) 14.04% 30% weight
  • Asset quality (delinquency) 0.88% 25% weight
  • Earnings (ROA) 0.88% 15% weight
  • Member growth 5.11% 15% weight
  • Liquidity (loan-to-share) 48% 15% weight

Weighted composite: 92/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 93.6%

At 14.04%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.

$30.8M
Total Assets
3,396
Members
$12.3M
Total Loans
$25.5M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 14.04% 30%
Delinquency Rate 0.88% 25%
Return on Assets 0.88% 15%
Member Growth 5.11% 15%
Loan-to-Share Ratio 48.32% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).

Historical Financials

Quarter Assets Members
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

What This Data Says About Iowa Heartland

Iowa Heartland is a state credit union headquartered in MASON CITY, Iowa, serving 3,396 members with $30.8M in total assets and $12.3M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 92/100 (Excellent), anchored by a net worth ratio of 14.04% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #60718 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.

Loan book quality rounds out the picture. The delinquency rate of 0.88% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. The loan-to-share ratio of 48.32% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.88% on net income of $271K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.

Year-over-year membership changed by 5.11%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.

Nearby Credit Unions in Iowa

More federally-insured credit unions based in Iowa, ordered by peer group match and asset size.

Compare Iowa Heartland vs RIVER COMMUNITY

Sources & disclaimer

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

Frequently Asked Questions

Is Iowa Heartland financially healthy?

A 14.04% net worth ratio and a 0.88% delinquency rate feed into Iowa Heartland's financial health score of 92/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.

How does Iowa Heartland compare to other credit unions?

Iowa Heartland scores 92/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?

Federal credit unions like Iowa 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. Iowa Heartland's net worth ratio of 14.04% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does Iowa Heartland offer compared to banks?

Credit unions like Iowa 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 Iowa 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.