Side-by-side · Q2 2026 data
Heartland Bank vs Citizens Community Credit Union
Metric by metric
| Measure | Heartland Bank | Citizens Community Credit Union |
|---|---|---|
| TellerScore | 79 | 88 (stronger) |
| Capital cushion | 82 | 100 (stronger) |
| Loan quality | 73 | 76 (stronger) |
| Earnings | 100 (stronger) | 87 |
| Funding & liquidity | 46 | 79 (stronger) |
| Problem-loan coverage | 91 | 95 (stronger) |
| Peer percentile | 75th | 92nd |
| Total assets | $256.1M | $253.6M |
| Deposits / shares | $203.7M | $201.9M |
| Capital ratio | 13.23% | 19.14% (stronger) |
| Problem loans | 0.81% | 0.73% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.76% |
| Return on assets | 2.17% (stronger) | 1.69% |
| Loans ÷ deposits | 104.2% | 81.1% (stronger) |
| Uninsured deposits | 23.8% | 5.0% (stronger) |
| Offices | 5 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Community Credit Union has the higher TellerScore (88 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Heartland Bank leads on 2 and Citizens Community Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.