Side-by-side · Q2 2026 data
Williamsville State Bank & Trust vs Heartland Credit Union
Metric by metric
| Measure | Williamsville State Bank & Trust | Heartland Credit Union |
|---|---|---|
| TellerScore | 73 | 89 (stronger) |
| Capital cushion | 95 (stronger) | 87 |
| Loan quality | 65 | 92 (stronger) |
| Earnings | 19 | 91 (stronger) |
| Funding & liquidity | 100 (stronger) | 81 |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 48th | 94th |
| Total assets | $93.8M | $573.7M |
| Deposits / shares | $83.0M | $494.4M |
| Capital ratio | 14.53% (stronger) | 13.74% |
| Problem loans | 1.04% | 0.25% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.24% |
| Return on assets | -0.03% | 1.78% (stronger) |
| Loans ÷ deposits | 29.2% (stronger) | 78.9% |
| Uninsured deposits | 12.9% | 6.1% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.7% | — |
Heartland Credit Union has the higher TellerScore (89 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Williamsville State Bank & Trust leads on 3 and Heartland Credit Union on 4. 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.