Heartland Credit Union is a federally insured state-chartered credit union headquartered in Springfield, Illinois, in business for about 80 years. At the end of Q2 2026 it reported $573.7M in total assets and $494.4M in member shares and deposits, with 3 offices.
Heartland Credit Union has a TellerScore of 89 out of 100 (very strong) based on Q2 2026 data — higher than 94% of its 1,341 credit unions with $100 million – $1 billion. Among 188 credit unions headquartered in Illinois, it ranks 26th. Problem-loan coverage contributes the most (98/100, 1.2%); funding & liquidity contributes the least (81/100, 79% loans-to-deposits, 6% uninsured).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (89 → 89).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 85 |
| Q4 2024 | 85 |
| Q1 2025 | 88 |
| Q2 2025 | 89 |
| Q3 2025 | 89 |
| Q4 2025 | 88 |
| Q1 2026 | 87 |
| Q2 2026 | 89 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.62% |
| Q3 2024 | 12.87% |
| Q4 2024 | 12.87% |
| Q1 2025 | 12.75% |
| Q2 2025 | 13.10% |
| Q3 2025 | 13.43% |
| Q4 2025 | 13.31% |
| Q1 2026 | 13.22% |
| Q2 2026 | 13.74% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.14% |
| Q3 2024 | 0.17% |
| Q4 2024 | 0.21% |
| Q1 2025 | 0.17% |
| Q2 2025 | 0.18% |
| Q3 2025 | 0.21% |
| Q4 2025 | 0.22% |
| Q1 2026 | 0.18% |
| Q2 2026 | 0.25% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.53% |
| Q3 2024 | 1.56% |
| Q4 2024 | 1.56% |
| Q1 2025 | 1.91% |
| Q2 2025 | 1.89% |
| Q3 2025 | 1.88% |
| Q4 2025 | 1.74% |
| Q1 2026 | 1.53% |
| Q2 2026 | 1.78% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 89 | $573.7M | 13.74% | 0.25% | 1.78% | 78.9% |
| Q1 2026 | 87 | $574.6M | 13.22% | 0.18% | 1.53% | 76.7% |
| Q4 2025 | 88 | $554.8M | 13.31% | 0.22% | 1.74% | 79.0% |
| Q3 2025 | 89 | $534.2M | 13.43% | 0.21% | 1.88% | 83.6% |
| Q2 2025 | 89 | $528.5M | 13.10% | 0.18% | 1.89% | 82.5% |
| Q1 2025 | 88 | $523.0M | 12.75% | 0.17% | 1.91% | 80.1% |
| Q4 2024 | 85 | $499.8M | 12.87% | 0.21% | 1.56% | 81.0% |
| Q3 2024 | 85 | $483.3M | 12.87% | 0.17% | 1.56% | 82.4% |
| Q2 2024 | 84 | $477.3M | 12.62% | 0.14% | 1.53% | 82.9% |
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).
Similar-size credit unions in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Siu Credit UnionCredit union Carbondale, IL | 72 out of 100, Strong | $591.3M | 11.6% | 0.90% | vs |
| Dupage Credit UnionCredit union Naperville, IL | 62 out of 100, Moderate | $600.2M | 9.6% | 0.48% | vs |
| Financial Plus Credit UnionCredit union Ottawa, IL | 84 out of 100, Strong | $607.4M | 13.2% | 0.45% | vs |
| National Police Federal Credit UnionCredit union Chicago, IL | 63 out of 100, Moderate | $620.7M | 8.9% | 0.77% | vs |
| Revity Credit UnionCredit union Granite City, IL | 74 out of 100, Strong | $526.5M | 10.4% | 0.43% | vs |
| Land of Lincoln Credit UnionCredit union Decatur, IL | 58 out of 100, Moderate | $498.9M | 9.8% | 0.91% | vs |
Deposit insurance
Is my money safe at Heartland Credit Union?
Yes. Heartland Credit Union is a federally insured credit union (NCUA charter #64441). 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 6.1% of shares and deposits ($30.0M) 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 13.74%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Heartland Credit Union lists 3 offices in 1 city. Most locations:
- Springfield, IL (3)
Identity & history
Profile
- Legal name
- Heartland Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 64441
- RSSD ID
- 222594
- Primary regulator
- State + NCUA
- Established
- 1946
- Headquarters
- 2213 W White Oaks Dr, Springfield, IL 62704
- Employees
- 78
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 #64441). 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?
89 out of 100 (Very strong), 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?
3 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Springfield
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Springfield Firefighters Credit UnionCredit union Springfield, IL | 100 out of 100, Very strong | $3.4M | 16.6% | 0.00% | vs |
| First National Bank in TaylorvilleBank Taylorville, IL | 92 out of 100, Very strong | $200.1M | 14.4% | 0.00% | vs |
| Midland Community BankBank Kincaid, IL | 88 out of 100, Very strong | $68.8M | 12.1% | 0.00% | vs |
| Springfield City Employees Credit UnionCredit union Springfield, IL | 85 out of 100, Very strong | $12.8M | 17.1% | 0.33% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |
| Prairie State Bank and TrustBank Springfield, IL | 80 out of 100, Strong | $840.1M | 12.4% | 0.52% | vs |