Side-by-side · Q2 2026 data
Hb Telco Federal Credit Union vs Minuteman Federal Credit Union
Credit union
Minuteman Federal Credit Union
Rapid City, South Dakota · Under $100 million in assets
Metric by metric
| Measure | Hb Telco Federal Credit Union | Minuteman Federal Credit Union |
|---|---|---|
| TellerScore | 57 (stronger) | 56 |
| Capital cushion | 36 | 93 (stronger) |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 0 | 54 (stronger) |
| Funding & liquidity | 74 (stronger) | 69 |
| Problem-loan coverage | 100 (stronger) | 71 |
| Peer percentile | 17th | 16th |
| Total assets | $4.9M | $15.2M |
| Deposits / shares | $4.5M | $12.9M |
| Capital ratio | 8.59% | 14.33% (stronger) |
| Problem loans | 0.00% (stronger) | 3.05% |
| Net charge-offs | 0.07% (stronger) | 0.69% |
| Return on assets | -0.81% | 0.85% (stronger) |
| Loans ÷ deposits | 86.1% | 79.6% (stronger) |
| Uninsured deposits | 0.5% (stronger) | 25.7% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hb Telco Federal Credit Union has the higher TellerScore (57 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Hb Telco Federal Credit Union leads on 4 and Minuteman Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.