Side-by-side · Q2 2026 data
Local 697 Federal Credit Union vs Indiana Heartland Federal Credit Union
Credit union
Local 697 Federal Credit Union
Merrillville, Indiana · Under $100 million in assets
Credit union
Indiana Heartland Federal Credit Union
Kokomo, Indiana · Under $100 million in assets
Metric by metric
| Measure | Local 697 Federal Credit Union | Indiana Heartland Federal Credit Union |
|---|---|---|
| TellerScore | 58 (stronger) | 55 |
| Capital cushion | 100 (stronger) | 66 |
| Loan quality | 0 | 2 (stronger) |
| Earnings | 26 | 86 (stronger) |
| Funding & liquidity | 100 (stronger) | 78 |
| Problem-loan coverage | 73 (stronger) | 62 |
| Peer percentile | 19th | 15th |
| Total assets | $49.0M | $49.7M |
| Deposits / shares | $41.4M | $43.5M |
| Capital ratio | 16.03% (stronger) | 11.57% |
| Problem loans | 4.55% | 2.94% (stronger) |
| Net charge-offs | -0.10% (stronger) | 0.28% |
| Return on assets | 0.14% | 1.66% (stronger) |
| Loans ÷ deposits | 55.8% (stronger) | 82.2% |
| Uninsured deposits | 10.3% | 0.6% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Local 697 Federal Credit Union has the higher TellerScore (58 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Local 697 Federal Credit Union leads on 4 and Indiana Heartland Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.