Side-by-side · Q2 2026 data
Heartland Credit Union vs Springfield City Employees Credit Union
Credit union
Springfield City Employees Credit Union
Springfield, Illinois · Under $100 million in assets
Metric by metric
| Measure | Heartland Credit Union | Springfield City Employees Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 85 |
| Capital cushion | 87 | 100 (stronger) |
| Loan quality | 92 (stronger) | 89 |
| Earnings | 91 (stronger) | 52 |
| Funding & liquidity | 81 | 85 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 94th | 77th |
| Total assets | $573.7M | $12.8M |
| Deposits / shares | $494.4M | $10.6M |
| Capital ratio | 13.74% | 17.15% (stronger) |
| Problem loans | 0.25% (stronger) | 0.33% |
| Net charge-offs | 0.24% | -0.02% (stronger) |
| Return on assets | 1.78% (stronger) | 0.79% |
| Loans ÷ deposits | 78.9% | 75.3% (stronger) |
| Uninsured deposits | 6.1% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heartland Credit Union has the higher TellerScore (89 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Heartland Credit Union leads on 3 and Springfield City Employees Credit Union on 4. 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.