Charter 64441 · Springfield, IL
Heartland Credit Union (Springfield, IL)
Heartland Credit Union is a state-chartered credit union in Springfield, Illinois, with $574 million in assets and 35,845 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 13.74%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $574 million
- +8.6% in a year
- Members
- 35,845
- +2.3% in a year
- Net worth ratio
- 13.74%
- Peer median 10.79%
- Loans 60+ days late
- 0.25%
- Peer median 0.67%
- Loans outstanding
- $390 million
- +3.3% in a year
- Shares and deposits
- $494 million
- +8.1% in a year
- Branches
- 3
- 78 employees
- Opened
- 1946
- Illinois charter
How Heartland Credit Union compares
NCUA groups credit unions by size; Heartland Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 13.74% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.25%, is lower than the group median of 0.67%. Loans grew 3.3% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 23 of 188 credit unions headquartered in Illinois. See all Illinois credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $574 million | 35,845 | $390 million | 13.74% | 0.25% |
| Q1 2026 | $575 million | 35,517 | $381 million | 13.22% | 0.18% |
| Q4 2025 | $555 million | 35,257 | $379 million | 13.31% | 0.22% |
| Q3 2025 | $534 million | 35,403 | $385 million | 13.43% | 0.21% |
| Q2 2025 | $528 million | 35,038 | $378 million | 13.10% | 0.18% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 932,407 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 3 sites for Heartland Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- North
2712 E Sangamon Ave, Springfield, IL 62702 - Main (main office)
2213 W White Oaks Dr, Springfield, IL 62704 - St Joseph
610 E Saint Joseph St, Springfield, IL 62703
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology