Side-by-side · Q2 2026 data
Dakota Rail Line Federal Credit Union vs Palace City Federal Credit Union
Credit union
Dakota Rail Line Federal Credit Union
Huron, South Dakota · Under $100 million in assets
Credit union
Palace City Federal Credit Union
Mitchell, South Dakota · Under $100 million in assets
Metric by metric
| Measure | Dakota Rail Line Federal Credit Union | Palace City Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 72 |
| Capital cushion | 100 (stronger) | 49 |
| Loan quality | 61 | 100 (stronger) |
| Earnings | 91 (stronger) | 37 |
| Funding & liquidity | 73 | 100 (stronger) |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 75th | 44th |
| Total assets | $5.1M | $16.5M |
| Deposits / shares | $4.2M | $14.7M |
| Capital ratio | 17.44% (stronger) | 9.92% |
| Problem loans | 1.17% | 0.01% (stronger) |
| Net charge-offs | -0.01% | -0.04% (stronger) |
| Return on assets | 1.78% (stronger) | 0.43% |
| Loans ÷ deposits | 86.9% | 44.3% (stronger) |
| Uninsured deposits | 3.7% | 1.0% (stronger) |
| Offices | 0 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Dakota Rail Line Federal Credit Union has the higher TellerScore (84 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Dakota Rail Line Federal Credit Union leads on 3 and Palace City Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.