Side-by-side · Q2 2026 data
First Bank & Trust vs East River Federal Credit Union
Credit union
East River Federal Credit Union
Madison, South Dakota · Under $100 million in assets
Metric by metric
| Measure | First Bank & Trust | East River Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 71 (stronger) |
| Capital cushion | 54 | 61 (stronger) |
| Loan quality | 86 (stronger) | 60 |
| Earnings | 72 (stronger) | 66 |
| Funding & liquidity | 58 | 100 (stronger) |
| Problem-loan coverage | 93 (stronger) | 92 |
| Peer percentile | 58th | 42nd |
| Total assets | $4.8B | $41.9M |
| Deposits / shares | $4.2B | $37.1M |
| Capital ratio | 10.37% | 11.12% (stronger) |
| Problem loans | 0.42% (stronger) | 1.19% |
| Net charge-offs | 0.02% (stronger) | 0.48% |
| Return on assets | 1.31% (stronger) | 1.16% |
| Loans ÷ deposits | 84.6% | 42.6% (stronger) |
| Uninsured deposits | 31.1% | 0.8% (stronger) |
| Offices | 22 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.9% | — |
East River Federal Credit Union has the higher TellerScore (71 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First Bank & Trust leads on 3 and East River Federal Credit Union on 4. 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.
Where both have branches
- Madison, SD