Side-by-side · Q2 2026 data
Heartland Credit Union vs Skyward Credit Union
Metric by metric
| Measure | Heartland Credit Union | Skyward Credit Union |
|---|---|---|
| TellerScore | 66 (stronger) | 60 |
| Capital cushion | 48 | 49 (stronger) |
| Loan quality | 60 | 71 (stronger) |
| Earnings | 100 (stronger) | 25 |
| Funding & liquidity | 58 | 90 (stronger) |
| Problem-loan coverage | 79 | 91 (stronger) |
| Peer percentile | 37th | 21st |
| Total assets | $726.4M | $467.4M |
| Deposits / shares | $598.8M | $316.9M |
| Capital ratio | 9.79% | 9.94% (stronger) |
| Problem loans | 1.20% | 0.86% (stronger) |
| Net charge-offs | 0.51% (stronger) | 0.54% |
| Return on assets | 2.43% (stronger) | 0.12% |
| Loans ÷ deposits | 102.0% | 70.7% (stronger) |
| Uninsured deposits | 7.0% | 5.9% (stronger) |
| Offices | 9 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 43.6% |
Heartland Credit Union has the higher TellerScore (66 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Heartland Credit Union leads on 3 and Skyward Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.