Inver Grove Hei, Minnesota · Peer group 5
Heartland Credit Union
Heartland Credit Union holds $176.4M in assets across 10,468 members as of Q1 2026 — about $17K of assets per member, on a charter dating to 1939. Charter number 64168, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $176.4M |
|---|---|
| Total loans | $104.0M |
| Total shares (deposits) | $152.3M |
| Net worth | $17.3M |
| Members | 10,468 |
| Assets per member | $17K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -2.7% | |
|---|---|---|
| Loans | -2.4% | around the 21st percentile of its peer group |
| Deposits | -4.1% | lower than 95% of its peer group |
| Members | -4.0% | around the 15th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 68.2% | around the 42nd percentile of its peer group |
|---|---|---|
| Net worth ratio | 9.8% | around the 25th percentile of its peer group |
| Return on assets | 0.17% | around the 15th percentile of its peer group |
| Delinquency ratio | 0.39% | around the 30th percentile of its peer group |
| Cash / assets | 2.9% | lower than 96% of its peer group |
| Borrowings / assets | 4.5% | higher than 93% of its peer group |
What this page does not show
Everything above is Heartland Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Minnesota — the comparison set a peer ratio is measured against.
- Associated Healthcare Credit Union
Woodbury, MN
$175.3M · 12,306 members
- Northwoods Credit Union
Cloquet, MN
$178.0M · 11,728 members
- Minnesota Power Employees Credit Union
DULUTH, MN
$170.3M · 4,170 members
- South Metro Credit Union
PRIOR LAKE, MN
$183.4M · 6,068 members
- Harbor Pointe Credit Union
DULUTH, MN
$157.5M · 8,002 members
- Leading Edge Credit Union
Worthington, MN
$146.0M · 12,087 members
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