Side-by-side · Q2 2026 data
United Community Bank vs Heartland Credit Union
Metric by metric
| Measure | United Community Bank | Heartland Credit Union |
|---|---|---|
| TellerScore | 72 | 89 (stronger) |
| Capital cushion | 52 | 87 (stronger) |
| Loan quality | 90 | 92 (stronger) |
| Earnings | 73 | 91 (stronger) |
| Funding & liquidity | 64 | 81 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 66th | 94th |
| Total assets | $4.1B | $573.7M |
| Deposits / shares | $3.6B | $494.4M |
| Capital ratio | 10.17% | 13.74% (stronger) |
| Problem loans | 0.31% | 0.25% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.24% |
| Return on assets | 1.32% | 1.78% (stronger) |
| Loans ÷ deposits | 73.5% (stronger) | 78.9% |
| Uninsured deposits | 35.0% | 6.1% (stronger) |
| Offices | 42 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.6% | — |
Heartland Credit Union has the higher TellerScore (89 vs 72). On the 7 directional measures above (where higher or lower is clearly better), United Community Bank leads on 2 and Heartland Credit Union on 5. 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.