Side-by-side · Q2 2026 data
Indiana Heartland Federal Credit Union vs Western Indiana Credit Union
Credit union
Indiana Heartland Federal Credit Union
Kokomo, Indiana · Under $100 million in assets
Metric by metric
| Measure | Indiana Heartland Federal Credit Union | Western Indiana Credit Union |
|---|---|---|
| TellerScore | 55 | 80 (stronger) |
| Capital cushion | 66 | 76 (stronger) |
| Loan quality | 2 | 95 (stronger) |
| Earnings | 86 (stronger) | 53 |
| Funding & liquidity | 78 | 86 (stronger) |
| Problem-loan coverage | 62 | 98 (stronger) |
| Peer percentile | 15th | 65th |
| Total assets | $49.7M | $48.7M |
| Deposits / shares | $43.5M | $42.3M |
| Capital ratio | 11.57% | 12.56% (stronger) |
| Problem loans | 2.94% | 0.15% (stronger) |
| Net charge-offs | 0.28% | -0.00% (stronger) |
| Return on assets | 1.66% (stronger) | 0.82% |
| Loans ÷ deposits | 82.2% | 74.5% (stronger) |
| Uninsured deposits | 0.6% | 0.0% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Western Indiana Credit Union has the higher TellerScore (80 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Indiana Heartland Federal Credit Union leads on 1 and Western Indiana Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.