Side-by-side · Q2 2026 data
BNC National Bank vs Dakota West Credit Union
Metric by metric
| Measure | BNC National Bank | Dakota West Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 61 |
| Capital cushion | 72 | 92 (stronger) |
| Loan quality | 72 (stronger) | 0 |
| Earnings | 65 (stronger) | 64 |
| Funding & liquidity | 62 | 86 (stronger) |
| Problem-loan coverage | 91 (stronger) | 74 |
| Peer percentile | 63rd | 24th |
| Total assets | $1.0B | $326.5M |
| Deposits / shares | $915.8M | $282.8M |
| Capital ratio | 12.21% | 14.17% (stronger) |
| Problem loans | 0.84% (stronger) | 3.14% |
| Net charge-offs | 0.61% | 0.13% (stronger) |
| Return on assets | 1.14% (stronger) | 1.09% |
| Loans ÷ deposits | 78.8% | 58.8% (stronger) |
| Uninsured deposits | 32.5% | 27.7% (stronger) |
| Offices | 10 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.5% | 51.5% |
BNC National Bank has the higher TellerScore (71 vs 61). On the 7 directional measures above (where higher or lower is clearly better), BNC National Bank leads on 3 and Dakota West Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Watford City, ND