Side-by-side · Q2 2026 data
Dakota Rail Line Federal Credit Union vs Minuteman Federal Credit Union
Credit union
Dakota Rail Line Federal Credit Union
Huron, South Dakota · Under $100 million in assets
Credit union
Minuteman Federal Credit Union
Rapid City, South Dakota · Under $100 million in assets
Metric by metric
| Measure | Dakota Rail Line Federal Credit Union | Minuteman Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 56 |
| Capital cushion | 100 (stronger) | 93 |
| Loan quality | 61 (stronger) | 0 |
| Earnings | 91 (stronger) | 54 |
| Funding & liquidity | 73 (stronger) | 69 |
| Problem-loan coverage | 91 (stronger) | 71 |
| Peer percentile | 75th | 16th |
| Total assets | $5.1M | $15.2M |
| Deposits / shares | $4.2M | $12.9M |
| Capital ratio | 17.44% (stronger) | 14.33% |
| Problem loans | 1.17% (stronger) | 3.05% |
| Net charge-offs | -0.01% (stronger) | 0.69% |
| Return on assets | 1.78% (stronger) | 0.85% |
| Loans ÷ deposits | 86.9% | 79.6% (stronger) |
| Uninsured deposits | 3.7% (stronger) | 25.7% |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Dakota Rail Line Federal Credit Union has the higher TellerScore (84 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Dakota Rail Line Federal Credit Union leads on 6 and Minuteman Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.