Side-by-side · Q2 2026 data
Heartland Bank vs Power Co-Op Employees Credit Union
Metric by metric
| Measure | Heartland Bank | Power Co-Op Employees Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 66 |
| Capital cushion | 82 | 87 (stronger) |
| Loan quality | 73 (stronger) | 24 |
| Earnings | 100 (stronger) | 70 |
| Funding & liquidity | 46 | 83 (stronger) |
| Problem-loan coverage | 91 (stronger) | 78 |
| Peer percentile | 75th | 32nd |
| Total assets | $256.1M | $85.6M |
| Deposits / shares | $203.7M | $73.0M |
| Capital ratio | 13.23% | 13.67% (stronger) |
| Problem loans | 0.81% (stronger) | 2.29% |
| Net charge-offs | 0.04% (stronger) | 0.54% |
| Return on assets | 2.17% (stronger) | 1.25% |
| Loans ÷ deposits | 104.2% | 76.8% (stronger) |
| Uninsured deposits | 23.8% | 6.2% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heartland Bank has the higher TellerScore (79 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Heartland Bank leads on 4 and Power Co-Op Employees Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.