Side-by-side · Q2 2026 data
Azura Credit Union vs Heartland Credit Union
Metric by metric
| Measure | Azura Credit Union | Heartland Credit Union |
|---|---|---|
| TellerScore | 64 | 66 (stronger) |
| Capital cushion | 53 (stronger) | 48 |
| Loan quality | 75 (stronger) | 60 |
| Earnings | 42 | 100 (stronger) |
| Funding & liquidity | 83 (stronger) | 58 |
| Problem-loan coverage | 89 (stronger) | 79 |
| Peer percentile | 31st | 37th |
| Total assets | $851.9M | $726.4M |
| Deposits / shares | $744.6M | $598.8M |
| Capital ratio | 10.28% (stronger) | 9.79% |
| Problem loans | 0.75% (stronger) | 1.20% |
| Net charge-offs | 1.06% | 0.51% (stronger) |
| Return on assets | 0.55% | 2.43% (stronger) |
| Loans ÷ deposits | 76.9% (stronger) | 102.0% |
| Uninsured deposits | 4.4% (stronger) | 7.0% |
| Offices | 9 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 54.1% | — |
Heartland Credit Union has the higher TellerScore (66 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Azura Credit Union leads on 4 and Heartland Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.