Credit Union Safety Analysis
Is Iowa Heartland Credit Union Safe? Mason City, Iowa
Based on its Q2 2026 NCUA 5300 call report, Iowa Heartland Credit Union has a net worth ratio of 17.04%, 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, Iowa Heartland Credit Union's net worth ratio is 17.04%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 17.04%
- Delinquency ratio (60+ days) (Q2 2026): 0.42%
- Return on assets (Q2 2026): -2.03%
- Loan-to-share ratio (Q2 2026): 46.13%
Iowa Heartland Credit Union (NCUA charter 60718, established 1932) reported $30.3M in assets and 3,247 members for Q2 2026 from Mason City, Iowa. It ranks 46 of 65 credit unions in Iowa by total assets. Total assets fell 2.3% from $31.0M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 16.84% for Q1 2026; 16.96% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.56% for Q1 2026; 1.25% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.26% for Q1 2026; 2.84% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 46.08% for Q1 2026; 49.28% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $5.3M
- Used vehicle loans: $3.3M
- New vehicle loans: $1.6M
- Other secured non-real estate loans and lines of credit: $859K
- Other unsecured loans and lines of credit: $445K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $30.3M | 17.04% | 0.42% | -2.03% | 46.13% |
| March 31, 2026 | $31.2M | 16.84% | 0.56% | 1.26% | 46.08% |
| December 31, 2025 | $30.8M | 16.94% | 0.88% | 5.35% | 48.32% |
| September 30, 2025 | $28.9M | 17.62% | 0.98% | -0.49% | 63.19% |
| June 30, 2025 | $31.0M | 16.96% | 1.25% | 2.84% | 49.28% |
| March 31, 2025 | $30.7M | 16.34% | 0.81% | -0.08% | 51.66% |
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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.
Iowa Heartland Credit Union profile
Regulator records: NCUA credit union profile (charter 60718) · FFIEC NIC profile (RSSD 527897)
Frequently asked questions
Is Iowa Heartland Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Iowa Heartland Credit Union's net worth ratio is 17.04%, above the 7% NCUA threshold for well capitalized.
Is Iowa Heartland Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Iowa Heartland Credit Union is a federally insured credit union (NCUA charter 60718): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Iowa Heartland Credit Union's key safety ratios?
For Q2 2026, Iowa Heartland Credit Union reports net worth 17.04%, delinquency 0.42%, ROA -2.03%, loan-to-share 46.13%.
What happens to my money if Iowa Heartland Credit Union fails?
For Q2 2026, Iowa Heartland Credit Union held $25.0M in shares and deposits for 3,247 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.