Side-by-side · Q2 2026 data
Mainstreet Federal Credit Union vs Heartland Credit Union
Metric by metric
| Measure | Mainstreet Federal Credit Union | Heartland Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 66 |
| Capital cushion | 49 (stronger) | 48 |
| Loan quality | 76 (stronger) | 60 |
| Earnings | 66 | 100 (stronger) |
| Funding & liquidity | 96 (stronger) | 58 |
| Problem-loan coverage | 89 (stronger) | 79 |
| Peer percentile | 51st | 37th |
| Total assets | $702.7M | $726.4M |
| Deposits / shares | $640.1M | $598.8M |
| Capital ratio | 9.87% (stronger) | 9.79% |
| Problem loans | 0.71% (stronger) | 1.20% |
| Net charge-offs | 0.51% | 0.51% (stronger) |
| Return on assets | 1.15% | 2.43% (stronger) |
| Loans ÷ deposits | 64.4% (stronger) | 102.0% |
| Uninsured deposits | 2.2% (stronger) | 7.0% |
| Offices | 4 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.5% | — |
Mainstreet Federal Credit Union has the higher TellerScore (70 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Mainstreet Federal Credit Union leads on 5 and Heartland Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.