Power Co-Op Employees vs Iowa Heartland
Comparing a Credit Union in Humboldt, IA with a Credit Union in Mason City, IA using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Power Co-Op Employees ↗ Credit Union · Humboldt, IA · Est. 1956 | Iowa Heartland ↗ Credit Union · Mason City, IA · Est. 1932 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Humboldt, IA | Mason City, IA |
| Total assets | $83.6M | $31.2M |
| Net worth ratio | 13.6% | 16.8% |
| Return on assets | 1.1% | 1.3% |
| Shares & deposits | — | — |
| Members | 2,850 | 3,350 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 66 | #2 of 66 |
| Established | 1956 | 1932 |
Power Co-Op Employees
- Assets: $83.6M
- Members: 2,850
- Capital ratio: 13.6%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #3 of 66
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
Are both institutions federally insured?
Yes. Power Co-Op Employees is NCUA-insured and Iowa Heartland 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, Power Co-Op Employees or Iowa Heartland?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Power Co-Op Employees 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 Power Co-Op Employees safe?
Yes — Power Co-Op Employees 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 Iowa Heartland safe?
Yes — Iowa Heartland 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 Power Co-Op Employees vs Iowa Heartland?
Power Co-Op Employees has a net worth ratio of 13.6%, placing it in the bottom 46% of <$100M peers. Iowa Heartland's ratio is 16.8%, placing it in the top 34% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Power Co-Op Employees have compared to Iowa Heartland?
The CFPB database shows 0 complaints against Power Co-Op Employees, and 0 complaints against Iowa Heartland. 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 Power Co-Op Employees 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.
