Side-by-side · Q2 2026 data
Financial Plus Credit Union vs Heartland Credit Union
Metric by metric
| Measure | Financial Plus Credit Union | Heartland Credit Union |
|---|---|---|
| TellerScore | 84 | 89 (stronger) |
| Capital cushion | 82 | 87 (stronger) |
| Loan quality | 85 | 92 (stronger) |
| Earnings | 79 | 91 (stronger) |
| Funding & liquidity | 84 (stronger) | 81 |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 86th | 94th |
| Total assets | $607.4M | $573.7M |
| Deposits / shares | $520.6M | $494.4M |
| Capital ratio | 13.24% | 13.74% (stronger) |
| Problem loans | 0.45% | 0.25% (stronger) |
| Net charge-offs | 0.38% | 0.24% (stronger) |
| Return on assets | 1.48% | 1.78% (stronger) |
| Loans ÷ deposits | 76.0% (stronger) | 78.9% |
| Uninsured deposits | 6.4% | 6.1% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heartland Credit Union has the higher TellerScore (89 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Financial Plus Credit Union leads on 1 and Heartland Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.