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Overview / Commentary
3400 Office Park Dr
Dayton, OH 45439

Heartland Credit Union (OH) is headquartered in Dayton and is the 72nd largest credit union in the state of Ohio. It is also the 1,740th largest credit union in the nation. It was established in 1935 and as of December of 2013, it had grown to 24 employees and 8,983 members. Heartland Credit Union (OH)'s savings rates are 3X the national average, and it has a B health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in the Ohio counties of Clark, Greene, Miami or Montgomery. - See Details

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Heartland Credit Union (OH) has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Heartland Credit Union (OH) had $654,000 in non-current loans and owned real-estate with $7.46 million in equity and loan loss allowances on hand to cover it. This gives Heartland Credit Union (OH) a Texas Ratio of 8.77% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Heartland Credit Union (OH) decreased slightly from 10.84% as of December 31, 2012 to 8.77% as of December 31, 2013, resulting in a positive change of 19.15%.This indicates that the balance sheet and financial strength for Heartland Credit Union (OH) has improved slightly in recent periods.

Deposit Growth


In the past year, Heartland Credit Union (OH) has decreased its total deposits by -$4.96 million, resulting in -6.55% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Heartland Credit Union (OH) has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Heartland Credit Union (OH) has $78.86 million in assets with $7.46 million in equity, resulting in a capitalization level of 9.46%, which is average.

Institution Statistics

NCUA #264
Year Chartered1935
Primary Regulator
Assets and Liabilities
Assets$78.86 million
Loans$44.11 million
Deposits$70.73 million
Equity Capital$6.76 million
Loan Loss Allowance$700,000
Unbacked Noncurrent Loans$654,000
Real Estate Owned$0
Historic Data - December 2012
Assets$83.98 million
Equity Capital$7.54 million
Loan Loss Allowance$900,000
Unbacked Noncurrent Loans$654,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.48%
Return on Assets-0.27%
Return on Equity-3.17%
Interest Income$2.90 million

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Heartland Credit Union (OH) Savings Account Rates

1.50%--Education Account
0.35%--Regular IRA Shares Account
0.35%--IRA Roth Shares Account
0.35%--Health Savings Account
0.10%--Vacation Club Account
0.10%--Regular Shares Account
0.10%--Holiday Club Account

Heartland Credit Union (OH) Money Market Rates

0.20%$25k-Full Service Money Market Account

Heartland Credit Union (OH) Checking Account Rates

0.10%$1,500-Regular Checking Account

Heartland Credit Union (OH) CD Rates

0.85%$500-36 Month Share Certificate
0.55%$500-24 Month Share Certificate
0.45%$500-18 Month Share Certificate
0.40%$500-15 Month Share Certificate
0.35%$500-12 Month Share Certificate
0.25%$500-8 Month Share Certificate
0.20%$1k-6 Month Share Certificate
0.15%$1k-3 Month Share Certificate

Heartland Credit Union (OH) IRA Rates

0.85%$500-36 Month IRA Share Certificate (Traditional,Roth,CESA)
0.55%$500-24 Month IRA Share Certificate (Traditional,Roth,CESA)
0.35%$500-12 Month IRA Share Certificate (Traditional,Roth,CESA)

Heartland Credit Union (OH) Locations
Branch Office1620 Upper Valley PikeSpringfield, OH 455044065
Branch Office1933 Covington AvePiqua, OH 453562635
Branch Office3400 Office Park DrDayton, OH 45439
Branch Office3115 S Dixie DrMoraine, OH 454392200