Side-by-side · Q2 2026 data
Hb Telco Federal Credit Union vs Dakota Rail Line Federal Credit Union
Credit union
Dakota Rail Line Federal Credit Union
Huron, South Dakota · Under $100 million in assets
Metric by metric
| Measure | Hb Telco Federal Credit Union | Dakota Rail Line Federal Credit Union |
|---|---|---|
| TellerScore | 57 | 84 (stronger) |
| Capital cushion | 36 | 100 (stronger) |
| Loan quality | 100 (stronger) | 61 |
| Earnings | 0 | 91 (stronger) |
| Funding & liquidity | 74 (stronger) | 73 |
| Problem-loan coverage | 100 (stronger) | 91 |
| Peer percentile | 17th | 75th |
| Total assets | $4.9M | $5.1M |
| Deposits / shares | $4.5M | $4.2M |
| Capital ratio | 8.59% | 17.44% (stronger) |
| Problem loans | 0.00% (stronger) | 1.17% |
| Net charge-offs | 0.07% | -0.01% (stronger) |
| Return on assets | -0.81% | 1.78% (stronger) |
| Loans ÷ deposits | 86.1% (stronger) | 86.9% |
| Uninsured deposits | 0.5% (stronger) | 3.7% |
| Offices | 1 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Dakota Rail Line Federal Credit Union has the higher TellerScore (84 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Hb Telco Federal Credit Union leads on 3 and Dakota Rail Line Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.