Side-by-side · Q2 2026 data
Black Hills Community Bank, N.A. vs Sentinel Federal Credit Union
Credit union
Sentinel Federal Credit Union
Box Elder, South Dakota · $100 million – $1 billion
Metric by metric
| Measure | Black Hills Community Bank, N.A. | Sentinel Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 67 |
| Capital cushion | 74 (stronger) | 58 |
| Loan quality | 100 (stronger) | 76 |
| Earnings | 89 (stronger) | 45 |
| Funding & liquidity | 42 | 84 (stronger) |
| Problem-loan coverage | 100 (stronger) | 91 |
| Peer percentile | 80th | 41st |
| Total assets | $489.7M | $199.3M |
| Deposits / shares | $430.4M | $176.3M |
| Capital ratio | 12.44% (stronger) | 10.83% |
| Problem loans | 0.00% (stronger) | 0.71% |
| Net charge-offs | -0.09% (stronger) | 0.30% |
| Return on assets | 1.71% (stronger) | 0.62% |
| Loans ÷ deposits | 85.7% | 76.4% (stronger) |
| Uninsured deposits | 44.6% | 5.8% (stronger) |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.7% |
Black Hills Community Bank, N.A. has the higher TellerScore (81 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Black Hills Community Bank, N.A. leads on 5 and Sentinel Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.