Side-by-side · Q2 2026 data
First Independent Bank vs Coteau Valley Federal Credit Union
Credit union
Coteau Valley Federal Credit Union
Sisseton, South Dakota · Under $100 million in assets
Metric by metric
| Measure | First Independent Bank | Coteau Valley Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 56 |
| Capital cushion | 49 | 50 (stronger) |
| Loan quality | 95 (stronger) | 34 |
| Earnings | 82 (stronger) | 47 |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 79 |
| Peer percentile | 64th | 16th |
| Total assets | $632.3M | $18.8M |
| Deposits / shares | $533.0M | $17.4M |
| Capital ratio | 9.87% | 9.99% (stronger) |
| Problem loans | 0.14% (stronger) | 1.98% |
| Net charge-offs | 0.02% (stronger) | 0.35% |
| Return on assets | 1.55% (stronger) | 0.67% |
| Loans ÷ deposits | 82.0% | 58.1% (stronger) |
| Uninsured deposits | 16.8% | 0.0% (stronger) |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Independent Bank has the higher TellerScore (76 vs 56). On the 7 directional measures above (where higher or lower is clearly better), First Independent Bank leads on 4 and Coteau Valley Federal Credit Union on 3. 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.