Side-by-side · Q2 2026 data
First Bank & Trust vs Dakotaland Federal Credit Union
Metric by metric
| Measure | First Bank & Trust | Dakotaland Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 76 (stronger) |
| Capital cushion | 54 | 59 (stronger) |
| Loan quality | 86 (stronger) | 81 |
| Earnings | 72 | 82 (stronger) |
| Funding & liquidity | 58 | 82 (stronger) |
| Problem-loan coverage | 93 | 93 |
| Peer percentile | 58th | 68th |
| Total assets | $4.8B | $751.6M |
| Deposits / shares | $4.2B | $644.5M |
| Capital ratio | 10.37% | 10.87% (stronger) |
| Problem loans | 0.42% (stronger) | 0.57% |
| Net charge-offs | 0.02% (stronger) | 0.10% |
| Return on assets | 1.31% | 1.54% (stronger) |
| Loans ÷ deposits | 84.6% | 78.1% (stronger) |
| Uninsured deposits | 31.1% | 13.5% (stronger) |
| Offices | 22 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.9% | — |
Dakotaland Federal Credit Union has the higher TellerScore (76 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First Bank & Trust leads on 2 and Dakotaland Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.