Side-by-side · Q2 2026 data
Harbor Pointe Credit Union vs Heartland Credit Union
Metric by metric
| Measure | Harbor Pointe Credit Union | Heartland Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 60 |
| Capital cushion | 86 (stronger) | 51 |
| Loan quality | 56 | 72 (stronger) |
| Earnings | 78 (stronger) | 21 |
| Funding & liquidity | 64 | 91 (stronger) |
| Problem-loan coverage | 84 | 90 (stronger) |
| Peer percentile | 60th | 21st |
| Total assets | $158.5M | $172.0M |
| Deposits / shares | $136.5M | $148.2M |
| Capital ratio | 13.63% (stronger) | 10.06% |
| Problem loans | 1.31% | 0.83% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.19% |
| Return on assets | 1.44% (stronger) | 0.03% |
| Loans ÷ deposits | 96.0% | 69.5% (stronger) |
| Uninsured deposits | 2.6% (stronger) | 5.3% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.9% | — |
Harbor Pointe Credit Union has the higher TellerScore (73 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Harbor Pointe Credit Union leads on 5 and Heartland Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.