Side-by-side · Q2 2026 data
Alliance Community Bank vs Heartland Credit Union
Metric by metric
| Measure | Alliance Community Bank | Heartland Credit Union |
|---|---|---|
| TellerScore | 70 | 89 (stronger) |
| Capital cushion | 41 | 87 (stronger) |
| Loan quality | 82 | 92 (stronger) |
| Earnings | 69 | 91 (stronger) |
| Funding & liquidity | 94 (stronger) | 81 |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 43rd | 94th |
| Total assets | $414.5M | $573.7M |
| Deposits / shares | $368.0M | $494.4M |
| Capital ratio | 9.08% | 13.74% (stronger) |
| Problem loans | 0.55% | 0.25% (stronger) |
| Net charge-offs | 0.21% (stronger) | 0.24% |
| Return on assets | 1.24% | 1.78% (stronger) |
| Loans ÷ deposits | 66.7% (stronger) | 78.9% |
| Uninsured deposits | 12.5% | 6.1% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.9% | — |
Heartland Credit Union has the higher TellerScore (89 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Alliance Community Bank leads on 2 and Heartland Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.