Side-by-side · Q2 2026 data
First National Bank vs Sentinel Federal Credit Union
Credit union
Sentinel Federal Credit Union
Box Elder, South Dakota · $100 million – $1 billion
Metric by metric
| Measure | First National Bank | Sentinel Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 67 |
| Capital cushion | 100 (stronger) | 58 |
| Loan quality | 77 (stronger) | 76 |
| Earnings | 100 (stronger) | 45 |
| Funding & liquidity | 31 | 84 (stronger) |
| Problem-loan coverage | 96 (stronger) | 91 |
| Peer percentile | 95th | 41st |
| Total assets | $2.0B | $199.3M |
| Deposits / shares | $1.5B | $176.3M |
| Capital ratio | 21.88% (stronger) | 10.83% |
| Problem loans | 0.69% (stronger) | 0.71% |
| Net charge-offs | 3.49% | 0.30% (stronger) |
| Return on assets | 2.50% (stronger) | 0.62% |
| Loans ÷ deposits | 98.9% | 76.4% (stronger) |
| Uninsured deposits | 42.4% | 5.8% (stronger) |
| Offices | 18 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.4% | 2.7% |
First National Bank has the higher TellerScore (84 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 4 and Sentinel 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.