Iowa Heartland Credit Union Mason City, Iowa
Iowa Heartland Credit Union is a state-chartered credit union headquartered in Mason City, IA, established in 1932 (NCUA charter 60718), and it is regulated and insured by the NCUA. At Q2 2026 it reported 3,247 members and total assets of $30.3M (down 2.3% from Q2 2025), the 46th largest of 65 credit unions headquartered in Iowa. Its net worth ratio was 17.04% at Q2 2026, in the well capitalized band.
Also written as Iowa Heartland CU
BankRegReports is independent of Iowa Heartland Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 60718
- Headquarters
- Mason City, IA
- Established
- 1932
- Total assets, Q2 2026
- $30.3M
- Assets vs Q2 2025
- -2.3%
- Members, Q2 2026
- 3,247
- Net worth ratio, Q2 2026
- 17.04%
- Latest call report
- Q2 2026, NCUA 5300 · Iowa Heartland Credit Union call report
- Asset rank in state
- 46th of 65 in Iowa
- Routing number
- 273975412
- Branches
- 1
It has 166 fewer members than on June 30, 2025 (-4.9%). Its net worth ratio was up 0.08 percentage points from 16.96% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $5.3M of $11.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.42% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 17.04% net worth ratio is above that band's 14.31% median.
Frequently asked about Iowa Heartland Credit Union
How big is Iowa Heartland Credit Union?
At Q2 2026 it reported total assets of $30.3M and 3,247 members.
Where is Iowa Heartland Credit Union headquartered?
It is headquartered in Mason City, IA, United States.
When was Iowa Heartland Credit Union founded?
It was established in 1932, per NCUA records.
Is Iowa Heartland Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 60718): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Iowa Heartland Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Iowa Heartland Credit Union well capitalized?
Its net worth ratio was 17.04% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Iowa Heartland Credit Union's delinquency ratio?
Its delinquency ratio was 0.42% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Iowa Heartland Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 46.13% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Mason City, IA 50401
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1932
- NCUA Charter #
- 60718
- RSSD ID
- 527897
- Members
- 3,247
- Potential members
- 135,532
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 5.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 17.04% | 14.31% | 63rd above |
| Return on assets Middle half of peers: 0.16% to 1.30% | -2.03% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -11.90% | 4.74% | under 10th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 0.44% | 3.93% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 380.57% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.91% | 0.78% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.42% | 0.86% | 71st above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 2.35% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 46.13% | 58.92% | 31st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$30.3M total assets against $31.0M; $25.0M total shares and deposits against $25.8M; $11.5M total loans against $12.7M.
$5.2M net worth against $5.3M.
17.04% net worth ratio against 16.96%.
46.13% loan-to-share ratio against 49.28%.
0.42% delinquency ratio against 1.25%.
-2.03% return on assets against 2.84%; -11.90% return on equity against 16.75%.
0.44% net interest margin against 6.03%.
3,247 members against 3,413.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 17.04% | -2.03% | 0.42% | 46.13% |
| March 31, 2026 | 16.84% | 1.26% | 0.56% | 46.08% |
| December 31, 2025 | 16.94% | 5.35% | 0.88% | 48.32% |
| September 30, 2025 | 17.62% | -0.49% | 0.98% | 63.19% |
| June 30, 2025 | 16.96% | 2.84% | 1.25% | 49.28% |
| March 31, 2025 | 16.34% | -0.08% | 0.81% | 51.66% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.