Iowa Heartland Credit Union is a federally insured state-chartered credit union headquartered in Mason City, Iowa, in business for about 94 years. At the end of Q2 2026 it reported $30.3M in total assets and $25.0M in member shares and deposits, with 1 office.
Based on its Q2 2026 filing, Iowa Heartland Credit Union scores 77/100, which we describe as strong. That is higher than 57% of 2,479 credit unions with under $100 million in assets. Among 66 credit unions headquartered in Iowa, it ranks 31st. Its strongest component is capital cushion (100/100; 17.04%), and its lowest is earnings (5/100; -0.37%).
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
From Q2 2025 to Q2 2026, the score fell 7 points (84 → 77), mostly because the earnings component weakened by 70 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 81 |
| Q4 2024 | 87 |
| Q1 2025 | 76 |
| Q2 2025 | 84 |
| Q3 2025 | 81 |
| Q4 2025 | 92 |
| Q1 2026 | 89 |
| Q2 2026 | 77 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 17.70% |
| Q3 2024 | 17.61% |
| Q4 2024 | 17.65% |
| Q1 2025 | 16.34% |
| Q2 2025 | 16.96% |
| Q3 2025 | 17.62% |
| Q4 2025 | 16.94% |
| Q1 2026 | 16.84% |
| Q2 2026 | 17.04% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.36% |
| Q3 2024 | 0.86% |
| Q4 2024 | 0.47% |
| Q1 2025 | 0.81% |
| Q2 2025 | 1.25% |
| Q3 2025 | 0.98% |
| Q4 2025 | 0.88% |
| Q1 2026 | 0.56% |
| Q2 2026 | 0.42% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.01% |
| Q3 2024 | 0.68% |
| Q4 2024 | 0.97% |
| Q1 2025 | -0.08% |
| Q2 2025 | 1.38% |
| Q3 2025 | 0.82% |
| Q4 2025 | 1.92% |
| Q1 2026 | 1.26% |
| Q2 2026 | -0.37% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $30.3M | 17.04% | 0.42% | -0.37% | 46.1% |
| Q1 2026 | 89 | $31.2M | 16.84% | 0.56% | 1.26% | 46.1% |
| Q4 2025 | 92 | $30.8M | 16.94% | 0.88% | 1.92% | 48.3% |
| Q3 2025 | 81 | $28.9M | 17.62% | 0.98% | 0.82% | 63.2% |
| Q2 2025 | 84 | $31.0M | 16.96% | 1.25% | 1.38% | 49.3% |
| Q1 2025 | 76 | $30.7M | 16.34% | 0.81% | -0.08% | 51.7% |
| Q4 2024 | 87 | $28.0M | 17.65% | 0.47% | 0.97% | 65.0% |
| Q3 2024 | 81 | $28.9M | 17.61% | 0.86% | 0.68% | 63.1% |
| Q2 2024 | 80 | $28.3M | 17.70% | 0.36% | -0.01% | 64.2% |
2,479 peers · Under $100 million in assets
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 Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| River Community Credit UnionCredit union Ottumwa, IA | 92 out of 100, Very strong | $30.4M | 15.8% | 0.06% | vs |
| Casebine Community Credit UnionCredit union Burlington, IA | 95 out of 100, Very strong | $29.1M | 22.5% | 0.08% | vs |
| Aegis Credit UnionCredit union Clinton, IA | 77 out of 100, Strong | $27.3M | 17.6% | 1.83% | vs |
| Family Community Credit UnionCredit union Charles City, IA | 82 out of 100, Strong | $26.3M | 12.1% | 0.08% | vs |
| Meridian Credit UnionCredit union Ottumwa, IA | 91 out of 100, Very strong | $34.4M | 16.7% | 0.14% | vs |
| Holy Ghost Parish Credit UnionCredit union Dubuque, IA | 71 out of 100, Strong | $34.9M | 9.8% | 0.00% | vs |
Deposit insurance
Is my money safe at Iowa Heartland Credit Union?
Yes. Iowa Heartland Credit Union is a federally insured credit union (NCUA charter #60718). 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 3.2% of shares and deposits ($798K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 17.04%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Iowa Heartland Credit Union lists 1 office in 1 city. Most locations:
- Mason City, IA (1)
Identity & history
Profile
- Legal name
- Iowa Heartland Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 60718
- RSSD ID
- 527897
- Primary regulator
- State + NCUA
- Established
- 1932
- Headquarters
- 1602 S Monroe Ave, Mason City, IA 50401
- Employees
- 5
Quick answers
Iowa Heartland Credit Union: common questions
Is Iowa Heartland Credit Union NCUA insured?
Yes. Iowa Heartland Credit Union is a federally insured credit union (NCUA charter #60718). 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 Iowa Heartland Credit Union's TellerScore?
77 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 Iowa Heartland Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Mason City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| United Bank and Trust CompanyBank Hampton, IA | 97 out of 100, Very strong | $228.4M | 14.8% | 0.00% | vs |
| Ace Credit UnionCredit union Mason City, IA | 89 out of 100, Very strong | $7.5M | 20.9% | 0.12% | vs |
| Citizens Community Credit UnionCredit union Fort Dodge, IA | 88 out of 100, Very strong | $253.6M | 19.1% | 0.73% | vs |
| First Citizens BankBank Mason City, IA | 81 out of 100, Strong | $1.8B | 12.0% | 0.16% | vs |
| Cent Credit UnionCredit union Mason City, IA | 77 out of 100, Strong | $166.0M | 12.7% | 0.20% | vs |
| Clear Lake Bank and Trust CompanyBank Clear Lake, IA | 75 out of 100, Strong | $649.3M | 8.5% | 0.00% | vs |