Iowa Heartland vs Metco
Comparing a Credit Union in Mason City, IA with a Credit Union in Cedar Rapids, IA using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Iowa Heartland ↗ Credit Union · Mason City, IA · Est. 1932 | Metco ↗ Credit Union · Cedar Rapids, IA · Est. 1957 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Mason City, IA | Cedar Rapids, IA |
| Total assets | $31.2M | $58.2M |
| Net worth ratio | 16.8% | 18.2% |
| Return on assets | 1.3% | 2.2% |
| Shares & deposits | — | — |
| Members | 3,350 | 3,282 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 66 | #1 of 66 |
| Established | 1932 | 1957 |
Iowa Heartland
- Assets: $31.2M
- Members: 3,350
- Capital ratio: 16.8%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #2 of 66
Metco
- Assets: $58.2M
- Members: 3,282
- Capital ratio: 18.2%
- Return on assets: 2.2%
- CFPB complaints: 0
- State rank: #1 of 66
Are both institutions federally insured?
Yes. Iowa Heartland is NCUA-insured and Metco is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Iowa Heartland or Metco?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Iowa Heartland scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Iowa Heartland safe?
Yes — Iowa Heartland is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Metco safe?
Yes — Metco is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Iowa Heartland vs Metco?
Iowa Heartland has a net worth ratio of 16.8%, placing it in the top 34% of <$100M peers. Metco's ratio is 18.2%, placing it in the top 28% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Iowa Heartland have compared to Metco?
The CFPB database shows 0 complaints against Iowa Heartland, and 0 complaints against Metco. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Iowa Heartland with other Credit Unions in Iowa
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
