Side-by-side · Q2 2026 data
Financial Builders Federal Credit Union vs Indiana Heartland Federal Credit Union
Credit union
Financial Builders Federal Credit Union
Kokomo, Indiana · $100 million – $1 billion
Credit union
Indiana Heartland Federal Credit Union
Kokomo, Indiana · Under $100 million in assets
Metric by metric
| Measure | Financial Builders Federal Credit Union | Indiana Heartland Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 55 |
| Capital cushion | 75 (stronger) | 66 |
| Loan quality | 72 (stronger) | 2 |
| Earnings | 58 | 86 (stronger) |
| Funding & liquidity | 89 (stronger) | 78 |
| Problem-loan coverage | 91 (stronger) | 62 |
| Peer percentile | 66th | 15th |
| Total assets | $151.5M | $49.7M |
| Deposits / shares | $131.3M | $43.5M |
| Capital ratio | 12.48% (stronger) | 11.57% |
| Problem loans | 0.85% (stronger) | 2.94% |
| Net charge-offs | 0.27% (stronger) | 0.28% |
| Return on assets | 0.96% | 1.66% (stronger) |
| Loans ÷ deposits | 71.3% (stronger) | 82.2% |
| Uninsured deposits | 1.7% | 0.6% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Financial Builders Federal Credit Union has the higher TellerScore (75 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Financial Builders Federal Credit Union leads on 5 and Indiana Heartland Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.