Side-by-side · Q2 2026 data
Heartland Credit Union vs Kohler Credit Union
Metric by metric
| Measure | Heartland Credit Union | Kohler Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 71 |
| Capital cushion | 67 (stronger) | 58 |
| Loan quality | 86 | 89 (stronger) |
| Earnings | 53 | 61 (stronger) |
| Funding & liquidity | 81 (stronger) | 64 |
| Problem-loan coverage | 95 (stronger) | 91 |
| Peer percentile | 63rd | 54th |
| Total assets | $666.8M | $776.4M |
| Deposits / shares | $581.8M | $662.0M |
| Capital ratio | 11.69% (stronger) | 10.80% |
| Problem loans | 0.42% | 0.32% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.10% |
| Return on assets | 0.84% | 1.03% (stronger) |
| Loans ÷ deposits | 79.5% (stronger) | 95.8% |
| Uninsured deposits | 5.8% | 4.4% (stronger) |
| Offices | 8 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.0% |
Heartland Credit Union has the higher TellerScore (74 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Heartland Credit Union leads on 4 and Kohler Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.