Side-by-side · Q2 2026 data
Heartland Credit Union vs Blackhawk Community Credit Union
Credit union
Blackhawk Community Credit Union
Janesville, Wisconsin · $100 million – $1 billion
Metric by metric
| Measure | Heartland Credit Union | Blackhawk Community Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 68 |
| Capital cushion | 67 (stronger) | 58 |
| Loan quality | 86 (stronger) | 79 |
| Earnings | 53 (stronger) | 33 |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 63rd | 45th |
| Total assets | $666.8M | $947.3M |
| Deposits / shares | $581.8M | $841.5M |
| Capital ratio | 11.69% (stronger) | 10.77% |
| Problem loans | 0.42% (stronger) | 0.63% |
| Net charge-offs | 0.10% | 0.08% (stronger) |
| Return on assets | 0.84% (stronger) | 0.33% |
| Loans ÷ deposits | 79.5% | 60.0% (stronger) |
| Uninsured deposits | 5.8% | 3.4% (stronger) |
| Offices | 8 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.3% |
Heartland Credit Union has the higher TellerScore (74 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Heartland Credit Union leads on 4 and Blackhawk Community Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.