Side-by-side · Q2 2026 data
Community First Bank vs Heartland Credit Union
Metric by metric
| Measure | Community First Bank | Heartland Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 74 |
| Capital cushion | 60 | 67 (stronger) |
| Loan quality | 89 (stronger) | 86 |
| Earnings | 81 (stronger) | 53 |
| Funding & liquidity | 77 | 81 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 72nd | 63rd |
| Total assets | $634.1M | $666.8M |
| Deposits / shares | $522.4M | $581.8M |
| Capital ratio | 10.95% | 11.69% (stronger) |
| Problem loans | 0.32% (stronger) | 0.42% |
| Net charge-offs | -0.00% (stronger) | 0.10% |
| Return on assets | 1.52% (stronger) | 0.84% |
| Loans ÷ deposits | 75.6% (stronger) | 79.5% |
| Uninsured deposits | 22.2% | 5.8% (stronger) |
| Offices | 10 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Community First Bank has the higher TellerScore (78 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Community First Bank leads on 5 and Heartland Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Lancaster, WI
- Platteville, WI