Side-by-side · Q2 2026 data
Midland Community Bank vs Heartland Credit Union
Metric by metric
| Measure | Midland Community Bank | Heartland Credit Union |
|---|---|---|
| TellerScore | 88 | 89 (stronger) |
| Capital cushion | 71 | 87 (stronger) |
| Loan quality | 100 (stronger) | 92 |
| Earnings | 87 | 91 (stronger) |
| Funding & liquidity | 95 (stronger) | 81 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 86th | 94th |
| Total assets | $68.8M | $573.7M |
| Deposits / shares | $56.6M | $494.4M |
| Capital ratio | 12.11% | 13.74% (stronger) |
| Problem loans | 0.00% (stronger) | 0.25% |
| Net charge-offs | 0.49% | 0.24% (stronger) |
| Return on assets | 1.66% | 1.78% (stronger) |
| Loans ÷ deposits | 64.9% (stronger) | 78.9% |
| Uninsured deposits | 12.0% | 6.1% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heartland Credit Union has the higher TellerScore (89 vs 88). On the 7 directional measures above (where higher or lower is clearly better), Midland Community Bank leads on 2 and Heartland Credit Union on 5. 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.