Side-by-side · Q2 2026 data
Badger Bank vs Heartland Credit Union
Metric by metric
| Measure | Badger Bank | Heartland Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 74 |
| Capital cushion | 74 (stronger) | 67 |
| Loan quality | 98 (stronger) | 86 |
| Earnings | 75 (stronger) | 53 |
| Funding & liquidity | 70 | 81 (stronger) |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 82nd | 63rd |
| Total assets | $206.0M | $666.8M |
| Deposits / shares | $164.6M | $581.8M |
| Capital ratio | 12.40% (stronger) | 11.69% |
| Problem loans | 0.07% (stronger) | 0.42% |
| Net charge-offs | 0.00% (stronger) | 0.10% |
| Return on assets | 1.37% (stronger) | 0.84% |
| Loans ÷ deposits | 84.4% | 79.5% (stronger) |
| Uninsured deposits | 20.1% | 5.8% (stronger) |
| Offices | 4 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.1% | — |
Badger Bank has the higher TellerScore (82 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Badger Bank leads on 5 and Heartland Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.