Side-by-side · Q2 2026 data
Black Hills Community Bank, N.A. vs Dakota Star Federal Credit Union
Credit union
Dakota Star Federal Credit Union
Rapid City, South Dakota · Under $100 million in assets
Metric by metric
| Measure | Black Hills Community Bank, N.A. | Dakota Star Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 64 |
| Capital cushion | 74 (stronger) | 40 |
| Loan quality | 100 (stronger) | 69 |
| Earnings | 89 (stronger) | 67 |
| Funding & liquidity | 42 | 87 (stronger) |
| Problem-loan coverage | 100 (stronger) | 86 |
| Peer percentile | 80th | 28th |
| Total assets | $489.7M | $44.9M |
| Deposits / shares | $430.4M | $40.4M |
| Capital ratio | 12.44% (stronger) | 9.00% |
| Problem loans | 0.00% (stronger) | 0.93% |
| Net charge-offs | -0.09% (stronger) | 0.18% |
| Return on assets | 1.71% (stronger) | 1.17% |
| Loans ÷ deposits | 85.7% | 72.6% (stronger) |
| Uninsured deposits | 44.6% | 15.3% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Black Hills Community Bank, N.A. has the higher TellerScore (81 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Black Hills Community Bank, N.A. leads on 5 and Dakota Star Federal Credit Union on 2. 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.