Side-by-side · Q2 2026 data
Heartland Credit Union vs Illinois Educators Credit Union
Credit union
Illinois Educators Credit Union
Springfield, Illinois · $100 million – $1 billion
Metric by metric
| Measure | Heartland Credit Union | Illinois Educators Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 59 |
| Capital cushion | 87 (stronger) | 56 |
| Loan quality | 92 (stronger) | 71 |
| Earnings | 91 (stronger) | 26 |
| Funding & liquidity | 81 (stronger) | 69 |
| Problem-loan coverage | 98 (stronger) | 84 |
| Peer percentile | 94th | 19th |
| Total assets | $573.7M | $120.3M |
| Deposits / shares | $494.4M | $102.2M |
| Capital ratio | 13.74% (stronger) | 10.59% |
| Problem loans | 0.25% (stronger) | 0.87% |
| Net charge-offs | 0.24% (stronger) | 1.60% |
| Return on assets | 1.78% (stronger) | 0.16% |
| Loans ÷ deposits | 78.9% (stronger) | 91.2% |
| Uninsured deposits | 6.1% | 2.2% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heartland Credit Union has the higher TellerScore (89 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Heartland Credit Union leads on 6 and Illinois Educators Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.