Side-by-side · Q2 2026 data
Heartland Bank and Trust Company vs Normal City Employees Federal Credit Union
Credit union
Normal City Employees Federal Credit Union
Normal, Illinois · Under $100 million in assets
Metric by metric
| Measure | Heartland Bank and Trust Company | Normal City Employees Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 79 |
| Capital cushion | 69 (stronger) | 68 |
| Loan quality | 94 | 100 (stronger) |
| Earnings | 77 (stronger) | 49 |
| Funding & liquidity | 69 | 90 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 90th | 62nd |
| Total assets | $6.7B | $4.5M |
| Deposits / shares | $5.8B | $4.0M |
| Capital ratio | 11.94% (stronger) | 11.82% |
| Problem loans | 0.19% | 0.00% (stronger) |
| Net charge-offs | 0.03% | -0.22% (stronger) |
| Return on assets | 1.43% (stronger) | 0.72% |
| Loans ÷ deposits | 81.3% | 70.7% (stronger) |
| Uninsured deposits | 23.9% | 0.0% (stronger) |
| Offices | 82 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.2% | — |
Heartland Bank and Trust Company has the higher TellerScore (80 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Heartland Bank and Trust Company leads on 3 and Normal City Employees Federal Credit Union on 4. 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.