Side-by-side · Q2 2026 data
Heartland Bank and Trust Company vs Cedar Falls Community Credit Union
Metric by metric
| Measure | Heartland Bank and Trust Company | Cedar Falls Community Credit Union |
|---|---|---|
| TellerScore | 80 | 80 |
| Capital cushion | 69 | 100 (stronger) |
| Loan quality | 94 (stronger) | 74 |
| Earnings | 77 (stronger) | 68 |
| Funding & liquidity | 69 (stronger) | 61 |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 90th | 78th |
| Total assets | $6.7B | $251.7M |
| Deposits / shares | $5.8B | $209.6M |
| Capital ratio | 11.94% | 15.87% (stronger) |
| Problem loans | 0.19% (stronger) | 0.78% |
| Net charge-offs | 0.03% (stronger) | 0.18% |
| Return on assets | 1.43% (stronger) | 1.20% |
| Loans ÷ deposits | 81.3% (stronger) | 99.2% |
| Uninsured deposits | 23.9% | 12.6% (stronger) |
| Offices | 82 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.2% | 5.1% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Heartland Bank and Trust Company leads on 4 and Cedar Falls Community Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.