Side-by-side · Q2 2026 data
Carpenters Federal Credit Union vs Heartland Credit Union
Credit union
Carpenters Federal Credit Union
Saint Paul, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Carpenters Federal Credit Union | Heartland Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 60 |
| Capital cushion | 100 (stronger) | 51 |
| Loan quality | 66 | 72 (stronger) |
| Earnings | 74 (stronger) | 21 |
| Funding & liquidity | 100 (stronger) | 91 |
| Problem-loan coverage | 95 (stronger) | 90 |
| Peer percentile | 80th | 21st |
| Total assets | $44.3M | $172.0M |
| Deposits / shares | $37.6M | $148.2M |
| Capital ratio | 16.03% (stronger) | 10.06% |
| Problem loans | 1.01% | 0.83% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.19% |
| Return on assets | 1.35% (stronger) | 0.03% |
| Loans ÷ deposits | 50.7% (stronger) | 69.5% |
| Uninsured deposits | 2.6% (stronger) | 5.3% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Carpenters Federal Credit Union has the higher TellerScore (86 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Carpenters Federal Credit Union leads on 6 and Heartland Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.