Side-by-side · Q2 2026 data
Envista Federal Credit Union vs Heartland Credit Union
Metric by metric
| Measure | Envista Federal Credit Union | Heartland Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 66 |
| Capital cushion | 58 (stronger) | 48 |
| Loan quality | 90 (stronger) | 60 |
| Earnings | 62 | 100 (stronger) |
| Funding & liquidity | 69 (stronger) | 58 |
| Problem-loan coverage | 94 (stronger) | 79 |
| Peer percentile | 57th | 37th |
| Total assets | $693.4M | $726.4M |
| Deposits / shares | $591.4M | $598.8M |
| Capital ratio | 10.77% (stronger) | 9.79% |
| Problem loans | 0.31% (stronger) | 1.20% |
| Net charge-offs | 0.43% (stronger) | 0.51% |
| Return on assets | 1.06% | 2.43% (stronger) |
| Loans ÷ deposits | 90.9% (stronger) | 102.0% |
| Uninsured deposits | 5.7% (stronger) | 7.0% |
| Offices | 10 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Envista Federal Credit Union has the higher TellerScore (72 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Envista 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.