Side-by-side · Q2 2026 data
Bluestone Federal Credit Union vs Northern Hills Federal Credit Union
Credit union
Bluestone Federal Credit Union
Sioux Falls, South Dakota · $100 million – $1 billion
Credit union
Northern Hills Federal Credit Union
Sturgis, South Dakota · $100 million – $1 billion
Metric by metric
| Measure | Bluestone Federal Credit Union | Northern Hills Federal Credit Union |
|---|---|---|
| TellerScore | 68 (stronger) | 66 |
| Capital cushion | 46 | 46 |
| Loan quality | 83 | 90 (stronger) |
| Earnings | 55 (stronger) | 52 |
| Funding & liquidity | 88 (stronger) | 66 |
| Problem-loan coverage | 93 | 93 |
| Peer percentile | 45th | 37th |
| Total assets | $205.6M | $204.9M |
| Deposits / shares | $176.4M | $183.2M |
| Capital ratio | 9.57% | 9.57% |
| Problem loans | 0.50% | 0.29% (stronger) |
| Net charge-offs | 0.70% | 0.40% (stronger) |
| Return on assets | 0.87% (stronger) | 0.79% |
| Loans ÷ deposits | 72.6% (stronger) | 94.4% |
| Uninsured deposits | 9.3% (stronger) | 9.5% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.6% | 17.9% |
Bluestone Federal Credit Union has the higher TellerScore (68 vs 66). On the 6 directional measures above (where higher or lower is clearly better), Bluestone Federal Credit Union leads on 4 and Northern Hills Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.