Side-by-side · Q2 2026 data
Area Federal Credit Union vs Sentinel Federal Credit Union
Credit union
Sentinel Federal Credit Union
Box Elder, South Dakota · $100 million – $1 billion
Metric by metric
| Measure | Area Federal Credit Union | Sentinel Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 67 |
| Capital cushion | 100 (stronger) | 58 |
| Loan quality | 84 (stronger) | 76 |
| Earnings | 75 (stronger) | 45 |
| Funding & liquidity | 75 | 84 (stronger) |
| Problem-loan coverage | 96 (stronger) | 91 |
| Peer percentile | 91st | 41st |
| Total assets | $199.9M | $199.3M |
| Deposits / shares | $165.1M | $176.3M |
| Capital ratio | 17.10% (stronger) | 10.83% |
| Problem loans | 0.47% (stronger) | 0.71% |
| Net charge-offs | 0.05% (stronger) | 0.30% |
| Return on assets | 1.37% (stronger) | 0.62% |
| Loans ÷ deposits | 85.6% | 76.4% (stronger) |
| Uninsured deposits | 9.8% | 5.8% (stronger) |
| Offices | 0 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.7% |
Area Federal Credit Union has the higher TellerScore (87 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Area Federal Credit Union leads on 5 and Sentinel Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.