Side-by-side · Q2 2026 data
First Western Federal Savings Bank vs Dakota Star Federal Credit Union
Bank
First Western Federal Savings Bank
Rapid City, South Dakota · Under $100 million in assets
Credit union
Dakota Star Federal Credit Union
Rapid City, South Dakota · Under $100 million in assets
Metric by metric
| Measure | First Western Federal Savings Bank | Dakota Star Federal Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 40 |
| Loan quality | 100 (stronger) | 69 |
| Earnings | 100 (stronger) | 67 |
| Funding & liquidity | 46 | 87 (stronger) |
| Problem-loan coverage | 100 (stronger) | 86 |
| Peer percentile | 92nd | 28th |
| Total assets | $63.5M | $44.9M |
| Deposits / shares | $40.6M | $40.4M |
| Capital ratio | 18.08% (stronger) | 9.00% |
| Problem loans | 0.00% (stronger) | 0.93% |
| Net charge-offs | 0.00% (stronger) | 0.18% |
| Return on assets | 2.31% (stronger) | 1.17% |
| Loans ÷ deposits | 143.5% | 72.6% (stronger) |
| Uninsured deposits | 18.7% | 15.3% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.3% | — |
First Western Federal Savings Bank has the higher TellerScore (92 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First Western Federal Savings Bank leads on 5 and Dakota Star Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.