Side-by-side · Q2 2026 data
Wichita Federal Credit Union vs Heartland Credit Union
Metric by metric
| Measure | Wichita Federal Credit Union | Heartland Credit Union |
|---|---|---|
| TellerScore | 63 | 66 (stronger) |
| Capital cushion | 95 (stronger) | 48 |
| Loan quality | 30 | 60 (stronger) |
| Earnings | 41 | 100 (stronger) |
| Funding & liquidity | 73 (stronger) | 58 |
| Problem-loan coverage | 79 | 79 |
| Peer percentile | 29th | 37th |
| Total assets | $280.5M | $726.4M |
| Deposits / shares | $237.3M | $598.8M |
| Capital ratio | 14.52% (stronger) | 9.79% |
| Problem loans | 2.11% | 1.20% (stronger) |
| Net charge-offs | 2.19% | 0.51% (stronger) |
| Return on assets | 0.53% | 2.43% (stronger) |
| Loans ÷ deposits | 87.3% (stronger) | 102.0% |
| Uninsured deposits | 3.0% (stronger) | 7.0% |
| Offices | 4 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.1% | — |
Heartland Credit Union has the higher TellerScore (66 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Wichita Federal Credit Union leads on 3 and Heartland Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.