Side-by-side · Q2 2026 data
Bank of Springfield vs Heartland Credit Union
Metric by metric
| Measure | Bank of Springfield | Heartland Credit Union |
|---|---|---|
| TellerScore | 55 | 89 (stronger) |
| Capital cushion | 42 | 87 (stronger) |
| Loan quality | 52 | 92 (stronger) |
| Earnings | 72 | 91 (stronger) |
| Funding & liquidity | 51 | 81 (stronger) |
| Problem-loan coverage | 75 | 98 (stronger) |
| Peer percentile | 13th | 94th |
| Total assets | $2.0B | $573.7M |
| Deposits / shares | $1.7B | $494.4M |
| Capital ratio | 9.22% | 13.74% (stronger) |
| Problem loans | 1.43% | 0.25% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.24% |
| Return on assets | 1.30% | 1.78% (stronger) |
| Loans ÷ deposits | 99.9% | 78.9% (stronger) |
| Uninsured deposits | 23.6% | 6.1% (stronger) |
| Offices | 18 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.7% | — |
Heartland Credit Union has the higher TellerScore (89 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Bank of Springfield leads on 1 and Heartland Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.