Side-by-side · Q2 2026 data
Heartland Bank and Trust Company vs Ottawa Hiway Credit Union
Metric by metric
| Measure | Heartland Bank and Trust Company | Ottawa Hiway Credit Union |
|---|---|---|
| TellerScore | 80 | 100 (stronger) |
| Capital cushion | 69 | 100 (stronger) |
| Loan quality | 94 | 100 (stronger) |
| Earnings | 77 | 100 (stronger) |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 90th | 100th |
| Total assets | $6.7B | $16.3M |
| Deposits / shares | $5.8B | $13.5M |
| Capital ratio | 11.94% | 16.69% (stronger) |
| Problem loans | 0.19% | 0.00% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.07% |
| Return on assets | 1.43% | 2.12% (stronger) |
| Loans ÷ deposits | 81.3% | 52.9% (stronger) |
| Uninsured deposits | 23.9% | 11.5% (stronger) |
| Offices | 82 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.2% | — |
Ottawa Hiway Credit Union has the higher TellerScore (100 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Heartland Bank and Trust Company leads on 1 and Ottawa Hiway Credit Union on 6. 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.