Side-by-side · Q2 2026 data
First Savings Bank vs Service First Federal Credit Union
Credit union
Service First Federal Credit Union
Sioux Falls, South Dakota · $100 million – $1 billion
Metric by metric
| Measure | First Savings Bank | Service First Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 43 |
| Loan quality | 70 (stronger) | 69 |
| Earnings | 100 (stronger) | 53 |
| Funding & liquidity | 38 | 100 (stronger) |
| Problem-loan coverage | 94 (stronger) | 88 |
| Peer percentile | 94th | 34th |
| Total assets | $1.6B | $209.7M |
| Deposits / shares | $1.3B | $191.3M |
| Capital ratio | 19.25% (stronger) | 9.29% |
| Problem loans | 0.90% (stronger) | 0.94% |
| Net charge-offs | 4.08% | 0.46% (stronger) |
| Return on assets | 2.61% (stronger) | 0.83% |
| Loans ÷ deposits | 89.6% | 57.4% (stronger) |
| Uninsured deposits | 44.2% | 3.9% (stronger) |
| Offices | 24 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.1% | 7.4% |
First Savings Bank has the higher TellerScore (83 vs 65). On the 7 directional measures above (where higher or lower is clearly better), First Savings Bank leads on 4 and Service First 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.