TellerScore

Heartland Credit Union (NCUA charter #62031) is based in Hutchinson, Kansas. Its Q2 2026 call report shows $726.4M in total assets and $598.8M in member shares and deposits and 9 offices.

Based on its Q2 2026 filing, Heartland Credit Union scores 66/100, which we describe as moderate. That is higher than only 37% of 1,341 credit unions with $100 million – $1 billion. Among 62 credit unions headquartered in Kansas, it ranks 38th. Its strongest component is earnings (100/100; 2.43%), and its lowest is capital cushion (48/100; 9.79%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Net worth ratio: 9.79%
Loan quality60/100
Loans 60+ days delinquent ÷ total loans: 1.20%
Earnings100/100
Return on assets (annualized): 2.43%
Funding & liquidity58/100
Loans ÷ shares: 102.0% · 7.0% uninsured
Problem-loan coverage79/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 10.42%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 9 points (57 → 66), mostly because the earnings component improved by 47 points.

TellerScore
435566Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202450
Q3 202443
Q4 202447
Q1 202553
Q2 202557
Q3 202559
Q4 202559
Q1 202665
Q2 202666
Net worth ratio
7.00%8.39%9.79%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.83%
Q3 20248.60%
Q4 20248.72%
Q1 20258.66%
Q2 20258.76%
Q3 20258.88%
Q4 20259.03%
Q1 20269.15%
Q2 20269.79%
Delinquent loans (60+ days)
0.75%1.23%1.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.26%
Q3 20241.72%
Q4 20241.33%
Q1 20251.02%
Q2 20250.80%
Q3 20250.75%
Q4 20250.91%
Q1 20260.78%
Q2 20261.20%
Return on assets
0.24%1.33%2.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.45%
Q3 20240.24%
Q4 20240.25%
Q1 20250.61%
Q2 20250.83%
Q3 20250.90%
Q4 20251.02%
Q1 20261.45%
Q2 20262.43%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$726.4M9.79%1.20%2.43%102.0%
Q1 202665$708.6M9.15%0.78%1.45%96.9%
Q4 202559$689.7M9.03%0.91%1.02%100.1%
Q3 202559$673.6M8.88%0.75%0.90%101.7%
Q2 202557$666.9M8.76%0.80%0.83%102.3%
Q1 202553$654.4M8.66%1.02%0.61%97.9%
Q4 202447$643.8M8.72%1.33%0.25%102.7%
Q3 202443$647.5M8.60%1.72%0.24%96.8%
Q2 202450$638.9M8.83%1.26%0.45%99.5%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.79%
25th
Problem loans1.20%
21st
Net charge-offs0.51%
35th
Return on assets2.43%
99th
Loans to deposits102.0%
2nd
Uninsured deposits7.0%
40th
Loan-loss reserves0.00%
50th
Texas ratio10.4%
12th

Similar-size credit unions in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
Mainstreet Federal Credit UnionCredit union Lenexa, KS70 out of 100, Strong$702.7M9.9%0.71%vs
Envista Federal Credit UnionCredit union Topeka, KS72 out of 100, Strong$693.4M10.8%0.31%vs
Azura Credit UnionCredit union Topeka, KS64 out of 100, Moderate$851.9M10.3%0.75%vs
Mid American Credit UnionCredit union Wichita, KS58 out of 100, Moderate$531.9M8.9%0.47%vs
Skyward Credit UnionCredit union Wichita, KS60 out of 100, Moderate$467.4M9.9%0.86%vs
Wichita Federal Credit UnionCredit union Wichita, KS63 out of 100, Moderate$280.5M14.5%2.11%vs

Deposit insurance

Is my money safe at Heartland Credit Union?

Yes. Heartland Credit Union is a federally insured credit union (NCUA charter #62031). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 7.0% of shares and deposits ($41.9M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.79%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

9 locations

Branches

Heartland Credit Union lists 9 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Heartland Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62031
RSSD ID
177498
Primary regulator
State + NCUA
Established
1948
Headquarters
Po Box 1387, Hutchinson, KS 67504
Employees
162

Quick answers

Heartland Credit Union: common questions

Is Heartland Credit Union NCUA insured?

Yes. Heartland Credit Union is a federally insured credit union (NCUA charter #62031). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Heartland Credit Union's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Heartland Credit Union have?

9 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Hutchinson

InstitutionScoreAssetsCapitalProblem loansCompare
The Citizens State BankBank Moundridge, KS95 out of 100, Very strong$450.6M14.4%0.01%vs
Dillon Credit UnionCredit union Hutchinson, KS82 out of 100, Strong$79.8M14.0%1.11%vs
Union Federal Credit UnionCredit union Farmerville, LA80 out of 100, Strong$611K21.2%0.00%vs
First Bank KansasBank Salina, KS79 out of 100, Strong$618.5M8.8%0.04%vs
The First National Bank of HutchinsonBank Hutchinson, KS78 out of 100, Strong$1.2B11.5%0.33%vs
Lyons Federal BankBank Lyons, KS78 out of 100, Strong$197.6M12.7%0.23%vs