Side-by-side · Q2 2026 data
Madison Fire Department Credit Union vs Heartland Credit Union
Credit union
Madison Fire Department Credit Union
Madison, Wisconsin · Under $100 million in assets
Metric by metric
| Measure | Madison Fire Department Credit Union | Heartland Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 67 |
| Loan quality | 100 (stronger) | 86 |
| Earnings | 70 (stronger) | 53 |
| Funding & liquidity | 70 | 81 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 89th | 63rd |
| Total assets | $5.5M | $666.8M |
| Deposits / shares | $4.4M | $581.8M |
| Capital ratio | 19.86% (stronger) | 11.69% |
| Problem loans | 0.00% (stronger) | 0.42% |
| Net charge-offs | 0.00% (stronger) | 0.10% |
| Return on assets | 1.25% (stronger) | 0.84% |
| Loans ÷ deposits | 90.0% | 79.5% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 5.8% |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Madison Fire Department Credit Union has the higher TellerScore (90 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Madison Fire Department Credit Union leads on 6 and Heartland Credit Union on 1. 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.