Side-by-side · Q2 2026 data
First Independent Bank vs Sisseton-Wahpeton Federal Credit Union
Credit union
Sisseton-Wahpeton Federal Credit Union
Agency Village, South Dakota · Under $100 million in assets
Metric by metric
| Measure | First Independent Bank | Sisseton-Wahpeton Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 47 |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 95 (stronger) | 0 |
| Earnings | 82 (stronger) | 5 |
| Funding & liquidity | 76 (stronger) | 50 |
| Problem-loan coverage | 98 (stronger) | 89 |
| Peer percentile | 64th | 7th |
| Total assets | $632.3M | $4.9M |
| Deposits / shares | $533.0M | $2.3M |
| Capital ratio | 9.87% | 41.30% (stronger) |
| Problem loans | 0.14% (stronger) | 3.84% |
| Net charge-offs | 0.02% | -0.04% (stronger) |
| Return on assets | 1.55% (stronger) | -0.37% |
| Loans ÷ deposits | 82.0% (stronger) | 129.4% |
| Uninsured deposits | 16.8% | 10.4% (stronger) |
| Offices | 11 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Independent Bank has the higher TellerScore (76 vs 47). On the 7 directional measures above (where higher or lower is clearly better), First Independent Bank leads on 4 and Sisseton-Wahpeton 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.