Side-by-side · Q2 2026 data
R.I.A. Federal Credit Union vs Heartland Credit Union
Metric by metric
| Measure | R.I.A. Federal Credit Union | Heartland Credit Union |
|---|---|---|
| TellerScore | 62 | 89 (stronger) |
| Capital cushion | 49 | 87 (stronger) |
| Loan quality | 77 | 92 (stronger) |
| Earnings | 34 | 91 (stronger) |
| Funding & liquidity | 86 (stronger) | 81 |
| Problem-loan coverage | 87 | 98 (stronger) |
| Peer percentile | 26th | 94th |
| Total assets | $749.1M | $573.7M |
| Deposits / shares | $692.1M | $494.4M |
| Capital ratio | 9.89% | 13.74% (stronger) |
| Problem loans | 0.70% | 0.25% (stronger) |
| Net charge-offs | 0.75% | 0.24% (stronger) |
| Return on assets | 0.36% | 1.78% (stronger) |
| Loans ÷ deposits | 74.1% (stronger) | 78.9% |
| Uninsured deposits | 5.3% (stronger) | 6.1% |
| Offices | 11 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.1% | — |
Heartland Credit Union has the higher TellerScore (89 vs 62). On the 7 directional measures above (where higher or lower is clearly better), R.I.A. Federal Credit Union leads on 2 and Heartland Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.