HEARTLAND
State-Chartered • Springfield, Illinois • Est. 1946
Quick Facts
- Charter Number
- #64441
- Type
- State-Chartered
- Established
- 1946
- Headquarters
- Springfield, Illinois 62704-6498
- Address
- 2213 W White Oaks Dr
- Branches
- 3
- ATMs
- 3
- Members
- 35,257
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
35,257 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | HEARTLAND |
|---|---|
| Total Assets | $554.8M |
| Members | 35,257 |
| Loans Outstanding | $378.6M |
| Shares & Deposits | $479.3M |
| Net Worth | $73.9M |
| Net Worth Ratio | 13.31% |
| Loan-to-Share Ratio | 79.0% |
| Delinquency Rate | 0.22% |
| Net Income | +$10,682,995 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
3 locations · 3 ATMs
North
2712 E Sangamon Ave
Springfield, IL 62702
Main
Main Office2213 W White Oaks Dr
Springfield, IL 62704
St Joseph
610 E Saint Joseph St
Springfield, IL 62703
Who Can Join HEARTLAND?
Membership Type: Community
Membership eligibility for HEARTLAND may vary. Contact the credit union directly to confirm qualification requirements.
Contact HEARTLAND directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Illinois RankingsFrequently Asked Questions
Yes. HEARTLAND is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, HEARTLAND has 35,257 members and a potential membership field of 935,056 people.
HEARTLAND's net worth ratio is 13.31% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.3%, HEARTLAND meets this threshold.
HEARTLAND operates 3 branch locations and has access to 3 ATMs. The main office is located at 2213 W White Oaks Dr, Springfield, IL 62704.
HEARTLAND was established in 1946. It is a state-chartered credit union chartered under charter number 64441. The institution has been serving members for 80 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or HEARTLAND. All financial data is for informational purposes only.