Side-by-side · Q2 2026 data
Heartland Credit Union vs Superior Choice Credit Union
Metric by metric
| Measure | Heartland Credit Union | Superior Choice Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 56 |
| Capital cushion | 67 (stronger) | 25 |
| Loan quality | 86 (stronger) | 81 |
| Earnings | 53 (stronger) | 39 |
| Funding & liquidity | 81 (stronger) | 79 |
| Problem-loan coverage | 95 (stronger) | 89 |
| Peer percentile | 63rd | 13th |
| Total assets | $666.8M | $730.3M |
| Deposits / shares | $581.8M | $626.2M |
| Capital ratio | 11.69% (stronger) | 7.54% |
| Problem loans | 0.42% (stronger) | 0.57% |
| Net charge-offs | 0.10% (stronger) | 0.38% |
| Return on assets | 0.84% (stronger) | 0.48% |
| Loans ÷ deposits | 79.5% (stronger) | 80.8% |
| Uninsured deposits | 5.8% | 5.0% (stronger) |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.8% |
Heartland Credit Union has the higher TellerScore (74 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Heartland Credit Union leads on 6 and Superior Choice Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.