Side-by-side · Q2 2026 data
Illinois State Police Federal Credit Union vs Heartland Credit Union
Credit union
Illinois State Police Federal Credit Union
Springfield, Illinois · $100 million – $1 billion
Metric by metric
| Measure | Illinois State Police Federal Credit Union | Heartland Credit Union |
|---|---|---|
| TellerScore | 76 | 89 (stronger) |
| Capital cushion | 53 | 87 (stronger) |
| Loan quality | 100 (stronger) | 92 |
| Earnings | 49 | 91 (stronger) |
| Funding & liquidity | 100 (stronger) | 81 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 68th | 94th |
| Total assets | $126.9M | $573.7M |
| Deposits / shares | $113.4M | $494.4M |
| Capital ratio | 10.35% | 13.74% (stronger) |
| Problem loans | 0.01% (stronger) | 0.25% |
| Net charge-offs | -0.21% (stronger) | 0.24% |
| Return on assets | 0.73% | 1.78% (stronger) |
| Loans ÷ deposits | 22.9% (stronger) | 78.9% |
| Uninsured deposits | 3.4% (stronger) | 6.1% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 33.3% | — |
Heartland Credit Union has the higher TellerScore (89 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Illinois State Police Federal Credit Union leads on 4 and Heartland Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.