Side-by-side · Q2 2026 data
Heartland Credit Union vs Co-Op Credit Union
Metric by metric
| Measure | Heartland Credit Union | Co-Op Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 70 |
| Capital cushion | 67 (stronger) | 66 |
| Loan quality | 86 (stronger) | 73 |
| Earnings | 53 | 65 (stronger) |
| Funding & liquidity | 81 (stronger) | 65 |
| Problem-loan coverage | 95 (stronger) | 88 |
| Peer percentile | 63rd | 51st |
| Total assets | $666.8M | $626.8M |
| Deposits / shares | $581.8M | $548.2M |
| Capital ratio | 11.69% (stronger) | 11.55% |
| Problem loans | 0.42% (stronger) | 0.80% |
| Net charge-offs | 0.10% | 0.05% (stronger) |
| Return on assets | 0.84% | 1.12% (stronger) |
| Loans ÷ deposits | 79.5% (stronger) | 95.1% |
| Uninsured deposits | 5.8% (stronger) | 12.6% |
| Offices | 8 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.3% |
Heartland Credit Union has the higher TellerScore (74 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Heartland Credit Union leads on 5 and Co-Op Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.