Side-by-side · Q2 2026 data
First National Bank vs Black Hills Federal Credit Union
Credit union
Black Hills Federal Credit Union
Rapid City, South Dakota · $1 billion – $10 billion
Metric by metric
| Measure | First National Bank | Black Hills Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 63 |
| Capital cushion | 100 (stronger) | 56 |
| Loan quality | 77 (stronger) | 68 |
| Earnings | 100 (stronger) | 39 |
| Funding & liquidity | 31 | 83 (stronger) |
| Problem-loan coverage | 96 (stronger) | 87 |
| Peer percentile | 95th | 33rd |
| Total assets | $2.0B | $2.4B |
| Deposits / shares | $1.5B | $2.1B |
| Capital ratio | 21.88% (stronger) | 10.56% |
| Problem loans | 0.69% (stronger) | 0.95% |
| Net charge-offs | 3.49% | 0.50% (stronger) |
| Return on assets | 2.50% (stronger) | 0.47% |
| Loans ÷ deposits | 98.9% | 77.7% (stronger) |
| Uninsured deposits | 42.4% | 14.3% (stronger) |
| Offices | 18 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.4% | 27.1% |
First National Bank has the higher TellerScore (84 vs 63). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 4 and Black Hills Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Rapid City, SD
- Pierre, SD
- Sturgis, SD