Credit Union Safety Analysis
Is Heartland Credit Union Safe? Springfield, Illinois
Based on its Q2 2026 NCUA 5300 call report, Heartland Credit Union has a net worth ratio of 13.74%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.25%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Heartland Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Heartland Credit Union's net worth ratio is 13.74%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.74%
- Delinquency ratio (60+ days) (Q2 2026): 0.25%
- Return on assets (Q2 2026): 2.03%
- Loan-to-share ratio (Q2 2026): 78.88%
Heartland Credit Union (NCUA charter 64441, established 1946) reported $573.7M in assets and 35,845 members for Q2 2026 from Springfield, Illinois. It ranks 22 of 185 credit unions in Illinois by total assets. Total assets grew 8.6% from $528.5M on June 30, 2025. It has 807 more members than on June 30, 2025 (+2.3%). Its net worth ratio was up 0.64 percentage points from 13.10% on June 30, 2025. Used vehicle loans are its largest loan category, $203.7M of $390.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.25% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 13.22% for Q1 2026; 13.10% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.18% for Q1 2026; 0.18% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.53% for Q1 2026; 1.90% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 76.70% for Q1 2026; 82.52% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $203.7M
- New vehicle loans: $127.4M
- 1- to 4-family residential and other consumer real estate loans: $50.5M
- Other secured non-real estate loans and lines of credit: $3.2M
- Non-federally guaranteed student loans: $2.7M
- Other unsecured loans and lines of credit: $2.4M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $573.7M | 13.74% | 0.25% | 2.03% | 78.88% |
| March 31, 2026 | $574.6M | 13.22% | 0.18% | 1.53% | 76.70% |
| December 31, 2025 | $554.8M | 13.31% | 0.22% | 1.52% | 78.99% |
| September 30, 2025 | $534.2M | 13.43% | 0.21% | 1.89% | 83.64% |
| June 30, 2025 | $528.5M | 13.10% | 0.18% | 1.90% | 82.52% |
| March 31, 2025 | $523.0M | 12.75% | 0.17% | 1.91% | 80.13% |
Add this badge to your website
Free to use. It shows Heartland Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Heartland Credit Union profile
Regulator records: NCUA credit union profile (charter 64441) · FFIEC NIC profile (RSSD 222594)
Frequently asked questions
Is Heartland Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Heartland Credit Union's net worth ratio is 13.74%, above the 7% NCUA threshold for well capitalized.
Is Heartland Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Heartland Credit Union is a federally insured credit union (NCUA charter 64441): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Heartland Credit Union's key safety ratios?
For Q2 2026, Heartland Credit Union reports net worth 13.74%, delinquency 0.25%, ROA 2.03%, loan-to-share 78.88%.
What happens to my money if Heartland Credit Union fails?
For Q2 2026, Heartland Credit Union held $494.4M in shares and deposits for 35,845 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.