Side-by-side · Q2 2026 data
First Western Federal Savings Bank vs Highmark Federal Credit Union
Bank
First Western Federal Savings Bank
Rapid City, South Dakota · Under $100 million in assets
Credit union
Highmark Federal Credit Union
Rapid City, South Dakota · $100 million – $1 billion
Metric by metric
| Measure | First Western Federal Savings Bank | Highmark Federal Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 46 |
| Capital cushion | 100 (stronger) | 27 |
| Loan quality | 100 (stronger) | 52 |
| Earnings | 100 (stronger) | 34 |
| Funding & liquidity | 46 | 78 (stronger) |
| Problem-loan coverage | 100 (stronger) | 67 |
| Peer percentile | 92nd | 3rd |
| Total assets | $63.5M | $257.8M |
| Deposits / shares | $40.6M | $235.1M |
| Capital ratio | 18.08% (stronger) | 7.67% |
| Problem loans | 0.00% (stronger) | 1.43% |
| Net charge-offs | 0.00% (stronger) | 0.71% |
| Return on assets | 2.31% (stronger) | 0.36% |
| Loans ÷ deposits | 143.5% | 82.1% (stronger) |
| Uninsured deposits | 18.7% | 11.3% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.3% | 0.0% |
First Western Federal Savings Bank has the higher TellerScore (92 vs 46). On the 7 directional measures above (where higher or lower is clearly better), First Western Federal Savings Bank leads on 5 and Highmark Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.