Side-by-side · Q2 2026 data
South Metro Federal Credit Union vs Heartland Credit Union
Credit union
South Metro Federal Credit Union
Prior Lake, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | South Metro Federal Credit Union | Heartland Credit Union |
|---|---|---|
| TellerScore | 51 | 60 (stronger) |
| Capital cushion | 31 | 51 (stronger) |
| Loan quality | 83 (stronger) | 72 |
| Earnings | 22 (stronger) | 21 |
| Funding & liquidity | 51 | 91 (stronger) |
| Problem-loan coverage | 90 | 90 |
| Peer percentile | 7th | 21st |
| Total assets | $184.8M | $172.0M |
| Deposits / shares | $173.3M | $148.2M |
| Capital ratio | 8.09% | 10.06% (stronger) |
| Problem loans | 0.50% (stronger) | 0.83% |
| Net charge-offs | 0.33% | 0.19% (stronger) |
| Return on assets | 0.04% (stronger) | 0.03% |
| Loans ÷ deposits | 82.5% | 69.5% (stronger) |
| Uninsured deposits | 39.3% | 5.3% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.3% | — |
Heartland Credit Union has the higher TellerScore (60 vs 51). On the 7 directional measures above (where higher or lower is clearly better), South Metro 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.