Side-by-side · Q2 2026 data
Union Federal Credit Union vs Heartland Credit Union
Metric by metric
| Measure | Union Federal Credit Union | Heartland Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 48 |
| Loan quality | 100 (stronger) | 60 |
| Earnings | 0 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 58 |
| Problem-loan coverage | 100 (stronger) | 79 |
| Peer percentile | 65th | 37th |
| Total assets | $611K | $726.4M |
| Deposits / shares | $474K | $598.8M |
| Capital ratio | 21.22% (stronger) | 9.79% |
| Problem loans | 0.00% (stronger) | 1.20% |
| Net charge-offs | 0.00% (stronger) | 0.51% |
| Return on assets | -3.96% | 2.43% (stronger) |
| Loans ÷ deposits | 30.7% (stronger) | 102.0% |
| Uninsured deposits | 0.0% (stronger) | 7.0% |
| Offices | 2 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Union Federal Credit Union has the higher TellerScore (80 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Union Federal Credit Union leads on 6 and Heartland Credit Union on 1. 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.