TellerScore

Heartland Credit Union is a federally insured state-chartered credit union headquartered in Madison, Wisconsin, in business for about 90 years. At the end of Q2 2026 it reported $666.8M in total assets and $581.8M in member shares and deposits, with 8 offices.

Based on its Q2 2026 filing, Heartland Credit Union scores 74/100, which we describe as strong. That is higher than 63% of 1,341 credit unions with $100 million – $1 billion. Among 98 credit unions headquartered in Wisconsin, it ranks 49th. Its strongest component is problem-loan coverage (95/100; 2.5%), and its lowest is earnings (53/100; 0.84%).

TellerScore · Q2 2026

Scorecard

Capital cushion67/100
Net worth ratio: 11.69%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.42%
Earnings53/100
Return on assets (annualized): 0.84%
Funding & liquidity81/100
Loans ÷ shares: 79.5% · 5.8% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.50%

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 (73 → 74).

TellerScore
677174Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202468
Q4 202470
Q1 202570
Q2 202573
Q3 202574
Q4 202574
Q1 202674
Q2 202674
Net worth ratio
7.00%9.41%11.82%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.82%
Q3 202411.15%
Q4 202411.26%
Q1 202511.20%
Q2 202511.38%
Q3 202511.66%
Q4 202511.82%
Q1 202611.61%
Q2 202611.69%
Delinquent loans (60+ days)
0.28%0.47%0.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.56%
Q3 20240.66%
Q4 20240.53%
Q1 20250.46%
Q2 20250.35%
Q3 20250.39%
Q4 20250.47%
Q1 20260.28%
Q2 20260.42%
Return on assets
0.57%0.76%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.66%
Q3 20240.69%
Q4 20240.76%
Q1 20250.57%
Q2 20250.84%
Q3 20250.92%
Q4 20250.96%
Q1 20260.69%
Q2 20260.84%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$666.8M11.69%0.42%0.84%79.5%
Q1 202674$656.7M11.61%0.28%0.69%78.0%
Q4 202574$635.9M11.82%0.47%0.96%80.9%
Q3 202574$629.2M11.66%0.39%0.92%82.2%
Q2 202573$631.4M11.38%0.35%0.84%80.8%
Q1 202570$625.3M11.20%0.46%0.57%81.4%
Q4 202470$614.2M11.26%0.53%0.76%83.0%
Q3 202468$606.9M11.15%0.66%0.69%84.6%
Q2 202467$616.8M10.82%0.56%0.66%84.3%

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 ratio11.69%
54th
Problem loans0.42%
73rd
Net charge-offs0.10%
85th
Return on assets0.84%
57th
Loans to deposits79.5%
41st
Uninsured deposits5.8%
51st
Loan-loss reserves0.00%
50th
Texas ratio2.5%
69th

Similar-size credit unions in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Co-Op Credit UnionCredit union Black River Fal, WI70 out of 100, Strong$626.8M11.6%0.80%vs
Superior Choice Credit UnionCredit union Superior, WI56 out of 100, Moderate$730.3M7.5%0.57%vs
Kohler Credit UnionCredit union Sheboygan, WI71 out of 100, Strong$776.4M10.8%0.32%vs
Simplicity Credit UnionCredit union Marshfield, WI57 out of 100, Moderate$546.7M9.8%1.22%vs
Pcm Credit UnionCredit union Green Bay, WI68 out of 100, Moderate$514.6M10.5%0.61%vs
Fort Community Credit UnionCredit union Fort Atkinson, WI59 out of 100, Moderate$449.8M11.7%1.59%vs

Deposit insurance

Is my money safe at Heartland Credit Union?

Yes. Heartland Credit Union is a federally insured credit union (NCUA charter #66710). 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 5.8% of shares and deposits ($33.9M) 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 11.69%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Heartland Credit Union lists 8 offices in 5 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 #
66710
RSSD ID
117896
Primary regulator
State + NCUA
Established
1936
Headquarters
5325 High Crossing Blvd, Madison, WI 53718
Employees
128

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 #66710). 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?

74 out of 100 (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?

8 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Madison

InstitutionScoreAssetsCapitalProblem loansCompare
Mississippi Public Employees Federal Credit UnionCredit union Jackson, MS97 out of 100, Very strong$29.2M18.1%0.10%vs
Madison Fire Department Credit UnionCredit union Madison, WI90 out of 100, Very strong$5.5M19.9%0.00%vs
John Deere Financial, f.s.b.Bank Middleton, WI82 out of 100, Strong$4.9B19.4%0.27%vs
Badger BankBank Fort Atkinson, WI82 out of 100, Strong$206.0M12.4%0.07%vs
Great Midwest Bank, S.S.B.Bank Brookfield, WI80 out of 100, Strong$1.1B16.5%0.56%vs
Capitol BankBank Madison, WI79 out of 100, Strong$565.3M12.4%0.02%vs