Side-by-side · Q2 2026 data
Minnesota Power Employees Credit Union vs Heartland Credit Union
Credit union
Minnesota Power Employees Credit Union
Duluth, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Minnesota Power Employees Credit Union | Heartland Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 60 |
| Capital cushion | 97 (stronger) | 51 |
| Loan quality | 36 | 72 (stronger) |
| Earnings | 74 (stronger) | 21 |
| Funding & liquidity | 75 | 91 (stronger) |
| Problem-loan coverage | 81 | 90 (stronger) |
| Peer percentile | 57th | 21st |
| Total assets | $161.9M | $172.0M |
| Deposits / shares | $135.9M | $148.2M |
| Capital ratio | 14.66% (stronger) | 10.06% |
| Problem loans | 1.92% | 0.83% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.19% |
| Return on assets | 1.34% (stronger) | 0.03% |
| Loans ÷ deposits | 85.3% | 69.5% (stronger) |
| Uninsured deposits | 7.2% | 5.3% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Minnesota Power Employees Credit Union has the higher TellerScore (72 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Minnesota Power Employees Credit Union leads on 4 and Heartland Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.