Side-by-side · Q2 2026 data
Heartland Bank vs Fort Dodge Family Credit Union
Metric by metric
| Measure | Heartland Bank | Fort Dodge Family Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 63 |
| Capital cushion | 82 (stronger) | 79 |
| Loan quality | 73 (stronger) | 38 |
| Earnings | 100 (stronger) | 43 |
| Funding & liquidity | 46 | 89 (stronger) |
| Problem-loan coverage | 91 (stronger) | 82 |
| Peer percentile | 75th | 26th |
| Total assets | $256.1M | $41.5M |
| Deposits / shares | $203.7M | $35.7M |
| Capital ratio | 13.23% (stronger) | 12.89% |
| Problem loans | 0.81% (stronger) | 1.86% |
| Net charge-offs | 0.04% (stronger) | 0.07% |
| Return on assets | 2.17% (stronger) | 0.58% |
| Loans ÷ deposits | 104.2% | 71.7% (stronger) |
| Uninsured deposits | 23.8% | 2.6% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heartland Bank has the higher TellerScore (79 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Heartland Bank leads on 5 and Fort Dodge Family 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.