Side-by-side · Q2 2026 data
INB, National Association vs Heartland Credit Union
Metric by metric
| Measure | INB, National Association | Heartland Credit Union |
|---|---|---|
| TellerScore | 62 | 89 (stronger) |
| Capital cushion | 44 | 87 (stronger) |
| Loan quality | 63 | 92 (stronger) |
| Earnings | 68 | 91 (stronger) |
| Funding & liquidity | 77 | 81 (stronger) |
| Problem-loan coverage | 82 | 98 (stronger) |
| Peer percentile | 27th | 94th |
| Total assets | $2.7B | $573.7M |
| Deposits / shares | $2.4B | $494.4M |
| Capital ratio | 9.44% | 13.74% (stronger) |
| Problem loans | 1.10% | 0.25% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.24% |
| Return on assets | 1.20% | 1.78% (stronger) |
| Loans ÷ deposits | 80.1% | 78.9% (stronger) |
| Uninsured deposits | 18.2% | 6.1% (stronger) |
| Offices | 14 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.0% | — |
Heartland Credit Union has the higher TellerScore (89 vs 62). On the 7 directional measures above (where higher or lower is clearly better), INB, National Association leads on 1 and Heartland Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.