Credit Union Safety Analysis
Is Heartland Credit Union Safe? Madison, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Heartland Credit Union has a net worth ratio of 11.69%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.42%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Heartland Credit Union's net worth ratio is 11.69%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.69%
- Delinquency ratio (60+ days) (Q2 2026): 0.42%
- Return on assets (Q2 2026): 0.99%
- Loan-to-share ratio (Q2 2026): 79.53%
Heartland Credit Union (NCUA charter 66710, established 1936) reported $666.8M in assets and 33,674 members for Q2 2026 from Madison, Wisconsin. It ranks 19 of 98 credit unions in Wisconsin by total assets. Total assets grew 5.6% from $631.4M on June 30, 2025. It has 263 more members than on June 30, 2025 (+0.8%). Its net worth ratio was up 0.31 percentage points from 11.38% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $292.7M of $462.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.42% 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: 11.61% for Q1 2026; 11.38% 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: 0.28% for Q1 2026; 0.35% 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: 0.69% for Q1 2026; 1.13% 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: 78.05% for Q1 2026; 80.83% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $292.7M
- Commercial loans: $62.8M
- Used vehicle loans: $57.2M
- New vehicle loans: $17.6M
- Other secured non-real estate loans and lines of credit: $13.7M
- Unsecured credit card loans: $9.1M
- Other unsecured loans and lines of credit: $8.9M
- Non-federally guaranteed student loans: $832K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $666.8M | 11.69% | 0.42% | 0.99% | 79.53% |
| March 31, 2026 | $656.7M | 11.61% | 0.28% | 0.69% | 78.05% |
| December 31, 2025 | $635.9M | 11.82% | 0.47% | 1.10% | 80.87% |
| September 30, 2025 | $629.2M | 11.66% | 0.39% | 1.07% | 82.20% |
| June 30, 2025 | $631.4M | 11.38% | 0.35% | 1.13% | 80.83% |
| March 31, 2025 | $625.3M | 11.20% | 0.46% | 0.57% | 81.43% |
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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 66710) · FFIEC NIC profile (RSSD 117896)
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 11.69%, 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 66710): 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 11.69%, delinquency 0.42%, ROA 0.99%, loan-to-share 79.53%.
What happens to my money if Heartland Credit Union fails?
For Q2 2026, Heartland Credit Union held $581.8M in shares and deposits for 33,674 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.