Side-by-side · Q2 2026 data
NSB Bank vs Iowa Heartland Credit Union
Metric by metric
| Measure | NSB Bank | Iowa Heartland Credit Union |
|---|---|---|
| TellerScore | 62 | 77 (stronger) |
| Capital cushion | 35 | 100 (stronger) |
| Loan quality | 89 (stronger) | 86 |
| Earnings | 57 (stronger) | 5 |
| Funding & liquidity | 59 | 100 (stronger) |
| Problem-loan coverage | 89 | 97 (stronger) |
| Peer percentile | 22nd | 57th |
| Total assets | $460.8M | $30.3M |
| Deposits / shares | $400.6M | $25.0M |
| Capital ratio | 8.49% | 17.04% (stronger) |
| Problem loans | 0.32% (stronger) | 0.42% |
| Net charge-offs | 0.30% (stronger) | 0.88% |
| Return on assets | 0.92% (stronger) | -0.37% |
| Loans ÷ deposits | 82.4% | 46.1% (stronger) |
| Uninsured deposits | 31.8% | 3.2% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Iowa Heartland Credit Union has the higher TellerScore (77 vs 62). On the 7 directional measures above (where higher or lower is clearly better), NSB Bank leads on 3 and Iowa Heartland Credit Union on 4. 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.