# HEARTLAND COMMUNITY
KANSAS CITY, MO · NCUA charter 63469 · asset band <$50M · latest filing 2020-09 · stopped filing after 2020-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/heartland-community-63469

Who the members are: state charter, organized 1958, low-income designated. 2,046 members of 10,000 potential (20.5% of the field); checking penetration 41% (share draft accounts per 100 members); loans per 100 members 57.

**Verdict on the desk:** this could be *stressed*. Composite score 11 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $7.3M |
| Members | 2,046 (10.2% YoY) |
| Full-time staff | 2 |
| Net worth | $241,843 |
| Net worth ratio | 3.3% (p0 of band) |
| ROA (annualized) | -2.39% (p2 of band) |
| Total delinquency | 2.72% (p85 of band) |
| Net charge-offs (annualized) | 4.57% (p98 of band) |
| Loans / shares | 48% (p42 of band) |
| Cash / assets | 19.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.76% (p94 of band) |
| Operating expense / assets | 5.48% (p93 of band) |
| Vehicles % of loans | 61% (p55 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 2.19% (p86 of band) |
| Vehicle NCO | 5.09% (p99 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 4% |
| Credit cards % of loans | 22% |
| Unsecured % of loans | 27% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 83% |
| Certificates % of member funds | 13% |
| Average share balance | $2,222 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $2,877 |
| Loans granted, annualized | $796,376 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, delinquency 2x band, auto monoline |  |
| 2016-06 | 4 | expense trap |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 6 | delinquency rising, members leaving |  |
| 2017-06 | 5 |  | thin capital |
| 2017-09 | 5 | assets shrinking | delinquency rising |
| 2017-12 | 4 |  | members leaving |
| 2018-03 | 3 | thin capital | expense trap, assets shrinking |
| 2018-06 | 4 | expense trap, delinquency rising | thin capital |
| 2018-09 | 4 |  |  |
| 2018-12 | 8 | thin capital, losing money, assets shrinking, members leaving |  |
| 2019-03 | 8 | net worth falling, loan book shrinking | expense trap, losing money |
| 2019-06 | 11 | capital below 7%, losing money, expense trap, charge-offs p90 | delinquency 2x band, delinquency rising |
| 2019-09 | 10 | delinquency 2x band | net worth falling, loan book shrinking |
| 2019-12 | 9 |  | members leaving |
| 2020-03 | 8 |  | losing money |
| 2020-06 | 12 | losing money, delinquency rising, members leaving, loan book shrinking |  |
| 2020-09 | 11 | net worth falling, margin squeeze | assets shrinking, delinquency rising, members leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2017-07-02 [FBI: Bank robber dubbed 'AK-47 bandit' in custody - WOWT](https://news.google.com/rss/articles/CBMimwFBVV95cUxOQ3J2TE1yZ244dFlmMTduXzBjV0xmWmlBZmVocE5HZ0d0MnExYng4VkJFVGFQTEpiWEVBUE85bENIS2ZLNEhwcjlzMG9rX0ZUOUJpeXpmckdnV3pBX2hrSXc0czlNcWNQWEx4cnA2czUza0tLZFVPTWFyT1IxSXlsT1l3OFhTd2dOajN1NVNjVy15UTNqUkt5ZzBqYw?oc=5) · WOWT
- 2022-02-01 [Ringleader Pleads Guilty in Arson, Insurance Fraud Scheme - Claims Journal](https://news.google.com/rss/articles/CBMickFVX3lxTE9lRnZuTFBaMzEtbGNLSTY4M3JiM0JzaFJubG40dF9BQS05c0dYaGNpZVlERkxVT01NUzdfRkF5TnBTRjV6Y2ZBWEsxbUkzUy0yOVl1TlhFR0Vlb2xFWEY4cXRVUlhBSnRpa1Q5WmxCMDhUdw?oc=5) · Claims Journal
- 2023-02-13 [KC-area man sentenced for arson, insurance fraud conspiracy - Hutch Post](https://news.google.com/rss/articles/CBMickFVX3lxTFBoSXdyTEhVOExsTHA1TUdqMmpFNzVvRzZIZndWRW1UZ0RjT3R6S1h2NFo3eFp4bUlNdmsyd0QwSHJ1YW1HcW5sR0x3ZE1LUmRTZjgwWHlXZ2QzQzRJOENBNEtfVE85ekZuNlhDZ0FPM1ZuQQ?oc=5) · Hutch Post
- 2015-07-29 [FBI: AK-47 bandit strikes again, this time in Mason City - KETV](https://news.google.com/rss/articles/CBMilgFBVV95cUxNdmlHNDZMMGRpWHc1SEFXUUpkT2N3NFhLTGFGS1ZLUTBPWjNMc2ttT2xpY1RRNEt5aFRxRlYtS0dVeUhvZjdtUUVnT0ZlTlFhN255c1MzNXFBVGpCMFNCeTBCV1EwdW50WjMxYVF0NmFicGhVOWpldmJWMUNCUENSdmlMbG1rT0NoTC1kNW1NaTRYRHF1V3c?oc=5) · KETV
- 2003-02-09 [Evelyn Hopkins Obituary (2003) - Kansas City, MO - Kansas City Star - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPaUw4c19XQ2hRUXhWb1JvUURFY0NiSzc1Q3NTT2RrY0kzcGdXc21SMm1XRS1wbnZvN2FJazFMMV9EUW1qWTlJNmE2ak1nRVZ4c0xIdjZSZm5lZDhILV94TXVzMFlzbG5BVF9lS1pKV2JXRmhoT3VyWFM1QVR1Qm9QOTY0ZzdNVWZFcVZTODAxdEw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63469 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/45.json (key "63469", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=63469
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide