Side-by-side · Q2 2026 data
Pcm Credit Union vs Heartland Credit Union
Metric by metric
| Measure | Pcm Credit Union | Heartland Credit Union |
|---|---|---|
| TellerScore | 68 | 74 (stronger) |
| Capital cushion | 55 | 67 (stronger) |
| Loan quality | 80 | 86 (stronger) |
| Earnings | 58 (stronger) | 53 |
| Funding & liquidity | 69 | 81 (stronger) |
| Problem-loan coverage | 92 | 95 (stronger) |
| Peer percentile | 45th | 63rd |
| Total assets | $514.6M | $666.8M |
| Deposits / shares | $417.6M | $581.8M |
| Capital ratio | 10.52% | 11.69% (stronger) |
| Problem loans | 0.61% | 0.42% (stronger) |
| Net charge-offs | 0.17% | 0.10% (stronger) |
| Return on assets | 0.96% (stronger) | 0.84% |
| Loans ÷ deposits | 87.5% | 79.5% (stronger) |
| Uninsured deposits | 18.0% | 5.8% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.2% | — |
Heartland Credit Union has the higher TellerScore (74 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Pcm 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.