Side-by-side · Q2 2026 data
National Police Federal Credit Union vs Heartland Credit Union
Credit union
National Police Federal Credit Union
Chicago, Illinois · $100 million – $1 billion
Metric by metric
| Measure | National Police Federal Credit Union | Heartland Credit Union |
|---|---|---|
| TellerScore | 63 | 89 (stronger) |
| Capital cushion | 39 | 87 (stronger) |
| Loan quality | 74 | 92 (stronger) |
| Earnings | 44 | 91 (stronger) |
| Funding & liquidity | 100 (stronger) | 81 |
| Problem-loan coverage | 91 | 98 (stronger) |
| Peer percentile | 29th | 94th |
| Total assets | $620.7M | $573.7M |
| Deposits / shares | $542.5M | $494.4M |
| Capital ratio | 8.86% | 13.74% (stronger) |
| Problem loans | 0.77% | 0.25% (stronger) |
| Net charge-offs | 0.54% | 0.24% (stronger) |
| Return on assets | 0.61% | 1.78% (stronger) |
| Loans ÷ deposits | 58.5% (stronger) | 78.9% |
| Uninsured deposits | 9.7% | 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 63). On the 7 directional measures above (where higher or lower is clearly better), National Police Federal Credit Union leads on 1 and Heartland Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.