Side-by-side · Q2 2026 data
Iowa Heartland Credit Union vs Unite Credit Union
Metric by metric
| Measure | Iowa Heartland Credit Union | Unite Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 45 |
| Capital cushion | 100 (stronger) | 68 |
| Loan quality | 86 (stronger) | 0 |
| Earnings | 5 | 11 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 (stronger) | 71 |
| Peer percentile | 57th | 5th |
| Total assets | $30.3M | $23.6M |
| Deposits / shares | $25.0M | $20.7M |
| Capital ratio | 17.04% (stronger) | 11.82% |
| Problem loans | 0.42% (stronger) | 3.42% |
| Net charge-offs | 0.88% | 0.66% (stronger) |
| Return on assets | -0.37% | -0.23% (stronger) |
| Loans ÷ deposits | 46.1% (stronger) | 49.5% |
| Uninsured deposits | 3.2% | 0.1% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Iowa Heartland Credit Union has the higher TellerScore (77 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Iowa Heartland Credit Union leads on 4 and Unite Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.