GymGurl has some good info but I have a different take:
We can't really think anything of it because we don't have enough information to develop a thought.
We don't know:
- What your actual maximum HR is. There isn't any science behind the 220-age rule and variance can be huge.
- What fuel you are burning when you are at that heart rate. Just like max hr, those charts you see on the machines and on the wall can be wildly inaccurate as there is much variance among people due do genetics and fitness.
- How much of your weight is fat.
- What your cardio fitness condition is.
- What you were doing to get into that zone. Biking/running/swimming/whatever. They don't translate well at all as there is minimal cross-benefit. Best example is Lance Armstrong's marathon performance.
And most importantly, we don't know what your goal is.
Insofar as you aren't lab tested for HR zones, you can make guesses based on perceived effort.
But the real value for your non-lab tested HRs is that you can compare them to each other. This is more valuable than looking at a stand-alone figure. The lower HRs for the same activity over time indicate increasing fitness, and higher HRs can indicate illness or overtraining.
Maybe you can fill out the above.