Side-by-side · Q2 2026 data
Iowa Heartland Credit Union vs Cent Credit Union
Metric by metric
| Measure | Iowa Heartland Credit Union | Cent Credit Union |
|---|---|---|
| TellerScore | 77 | 77 |
| Capital cushion | 100 (stronger) | 77 |
| Loan quality | 86 | 93 (stronger) |
| Earnings | 5 | 56 (stronger) |
| Funding & liquidity | 100 (stronger) | 68 |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 57th | 71st |
| Total assets | $30.3M | $166.0M |
| Deposits / shares | $25.0M | $144.6M |
| Capital ratio | 17.04% (stronger) | 12.73% |
| Problem loans | 0.42% | 0.20% (stronger) |
| Net charge-offs | 0.88% | 0.13% (stronger) |
| Return on assets | -0.37% | 0.89% (stronger) |
| Loans ÷ deposits | 46.1% (stronger) | 92.1% |
| Uninsured deposits | 3.2% | 3.1% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Iowa Heartland Credit Union leads on 2 and Cent Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.