Side-by-side · Q2 2026 data
Iowa Heartland Credit Union vs Citizens Community Credit Union
Metric by metric
| Measure | Iowa Heartland Credit Union | Citizens Community Credit Union |
|---|---|---|
| TellerScore | 77 | 88 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 86 (stronger) | 76 |
| Earnings | 5 | 87 (stronger) |
| Funding & liquidity | 100 (stronger) | 79 |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 57th | 92nd |
| Total assets | $30.3M | $253.6M |
| Deposits / shares | $25.0M | $201.9M |
| Capital ratio | 17.04% | 19.14% (stronger) |
| Problem loans | 0.42% (stronger) | 0.73% |
| Net charge-offs | 0.88% | 0.76% (stronger) |
| Return on assets | -0.37% | 1.69% (stronger) |
| Loans ÷ deposits | 46.1% (stronger) | 81.1% |
| Uninsured deposits | 3.2% (stronger) | 5.0% |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Community Credit Union has the higher TellerScore (88 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Iowa Heartland Credit Union leads on 3 and Citizens Community 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.